Private lending in Changchun is borrowed by major banks. Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit. In different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.

What are the procedures for personal loans in Changchun?

1. A citizen of China who has a permanent residence in China and a permanent residence in a local town and has full capacity for civil conduct. 2. Have a good job with legal and stable income and the ability to repay the principal and interest of the loan on schedule. He abides by the law and has no illegal acts and bad credit records. 3. A personal settlement account has been opened in the lending bank (it is agreed that the borrowing bank will deduct the loan principal and interest from the personal settlement account designated by it). 4. Other conditions stipulated by the bank. The application threshold of each bank is different. Some banks only require applicants to earn 2000 yuan a month. However, most banks require unsecured loans with a monthly salary of more than 2,500, that is, personal credit loans. Even three or four thousand. Unsecured and unsecured loan interest rate The interest rate of personal credit loans (i.e. unsecured and unsecured loans) shall be implemented according to the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China, and the floating range shall be implemented according to the relevant provisions of the People's Bank of China. The interest before the extension is calculated and paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, and if it is more than 6 months since the extension date, the interest will be calculated according to the 6-month loan interest rate listed on that day, and from the extension date, the interest will be calculated according to the loan interest rate listed on that day 1 year. The interest rate is generally 7.9%-9.9%, and it is generally 5.94% in mortgage interest rates, which is much lower than the benchmark interest rate. It should be noted that these interest rates are the data before the interest rate increase of 20 1 1. The current interest rate of unsecured loans is much higher than this figure. Unsecured and unsecured loan: if the credit loan term is within 65,438+0 years (including 65,438+0 years), the repayment method of monthly interest, monthly, quarterly or one-time principal repayment shall be adopted; If the loan term exceeds 65,438+0 years, the repayment method of monthly principal and interest will be adopted. Generally speaking, the repayment period of unsecured and unsecured loans is at most four years.

Changchun adjusts provident fund loan policy

Recently, a number of property market hotspots have released a new provident fund policy. Among them, Jilin Changchun clearly proposed to increase the first loan amount of provident fund for families with many children, and the loan amount of "three-child families" can be increased by 200,000 yuan on the basis of the maximum loan amount.

Release the new provident fund policy in many places

On June 2, 65438, Changchun Housing Provident Fund Management Center issued the Notice on Adjusting the Individual Housing Loan Policy of Changchun Housing Provident Fund, which clearly stipulated that the place of purchase was in the main urban area and development zone of Changchun (excluding Shuangyang District and Jiutai District): if there is a borrower, the maximum amount of a single loan is 900,000 yuan; No borrower: 600,000. If the provident fund for giving birth to and raising two or three children is paid to the employee's family and the provident fund loan is applied for for the first time, the loan amount of "two-child family" can be increased by 654.38+10,000 yuan on the basis of the maximum amount of a single loan; The loan amount of "three-child family" can be increased by 200,000 yuan on the basis of a single maximum amount.

The "Notice" also clarified that the purchase place is in Shuangyang District and Gongzhuling City of Changchun City: if there is a borrower with the same name, the maximum amount of a single loan is 650,000 yuan; 500,000 yuan without the borrower; The voluntary payer in Gongzhuling City is 300,000 yuan. The purchase place is in Jiutai District, Yushu City and Nong 'an County, dehui city: if there are the same borrowers, the maximum amount of a single loan is 450,000 yuan; No, the borrower is 300 thousand.

Guangzhou Housing Provident Fund Management Center recently issued the Notice of Guangzhou Housing Provident Fund Management Center on Continuing to Implement the Staged Support Policy for Rent Extraction, which pointed out that if depositors, their spouses and minor children do not own houses, rent houses for their own occupation, have no lease contract or the lease contract is not registered, they will continue to implement the rent extraction limit according to the standard of 900 yuan per person per month. The notice shall take effect on June 65438+ 10/day, 2023, and the validity period is 1 year. At present, the upper limit of monthly withdrawal is 96 19 yuan, which is dynamically adjusted with the average monthly salary of employees in the previous year.

Prior to this, Guangzhou Housing Provident Fund Management Center stipulated that from May, 2022, the withdrawal limit for renting houses would be raised from 600 yuan to 900 yuan per person per month.

Maximum amount of personal loan of Changchun provident fund

Two or more people (inclusive) apply for housing provident fund loans to purchase the same set of ordinary self-occupied housing loans, and the loan amount is adjusted from 350,000 yuan to 400,000 yuan.

The maximum loan amount for one person to apply for housing provident fund loans is adjusted from 200,000 yuan to 250,000 yuan.

It is understood that in March 2065438+2008, in order to alleviate the financial pressure, the housing provident fund of our city issued a policy of tightening loans. As of 202 1, 12, and 3 1, the personal loan ratio dropped from the highest 98.0% in 20 19 to 79.8 1%. The personal loan rate has been below 85% for three consecutive months, the net flow of funds is positive, and the liquidity is gradually plentiful.

In order to better meet the housing loan demand of employees, increase the support for housing employees, further promote the housing provident fund business in our city, and promote the stable and healthy development of the real estate industry in our city, on the basis of fully ensuring the liquidity and safety of the housing provident fund, yesterday, Maoming Housing Provident Fund Management Committee issued the Notice on Adjusting the Maximum Amount of Personal Housing Loan of Housing Provident Fund in our city, and combined with the actual situation, increased the maximum amount of personal housing loan of housing provident fund by 50,000 yuan. At present, the policy adjustment has been implemented.

On the same day, Maoming Housing Provident Fund Management Committee also issued the Notice on Implementing Preferential Loan Quota of Commodity Housing Provident Fund for High-level Talents and Assembled Construction Projects in our city, and implemented preferential loan quota policy for high-level talents housing provident fund loans and assembled construction projects recognized by the housing and construction departments.

1. In general, as long as we apply for a loan on the loan platform, our name will be linked to the credit information. At this time, once it is overdue, our credit information will be defiled, and for us, once it is defiled, it can't be washed away anyway. Therefore, when we borrow money from small platforms, large platforms or bank cards, we must repay the loan amount in time, otherwise, the impact of credit pollution will be very great.

2. Some people may not know the disadvantages of being tainted by credit information. Simply put, if a person's credit information is defiled, it will not only affect credit, but also seriously affect daily life and travel. Before, a relative in the family became a borrower and guarantor when lending money to others. When the repayment comes, the borrower has no money at all, and the repayment naturally falls to the borrower and the guarantor. At that time, the relative didn't want to help others pay their debts, so his credit information was also seriously affected. At that time, the borrower had run away, and my relatives' credit information was completely polluted. As a result, I can't buy high-speed rail tickets and plane tickets when I buy tickets to go home for the New Year, so I can only go home by slow train and long-distance bus. This has a very serious impact on our daily life and traffic.

Which bank in Changchun can handle personal credit loans?

The conditions for applying for personal credit loans from Ping An Bank are:

1. China citizens with full civil capacity who have a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place;

2. Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;

3. There is no bad credit record, and the purpose of the loan cannot be used for house purchase, stock trading, gambling and other behaviors;

As long as you meet the individual application conditions of the bank, you can handle the business by providing ID card, proof of stable address and proof of stable income source.

Microfinance application materials:

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

Changchun provident fund loan policy 2022

1. If employees apply for individual housing loans from housing provident fund for the first time, the minimum down payment ratio shall be no less than 20%; For the second application, the down payment ratio shall not be less than 30%. The term shall not exceed 65438+February 3, 20221.

2. Implement the preferential loan interest rate policy, and apply for the housing provident fund personal housing loan for the second time. The loan interest rate is the first housing provident fund personal housing loan interest rate in the same period. The term shall not exceed 65438+February 3, 20221.

3. Relax the deposit time requirements for loan applications. The requirement for employees to apply for housing provident fund personal housing loans and pay housing provident fund in full is relaxed from 12 months (inclusive) to 6 months (inclusive). Cancel the second loan interval limit. After the borrower's family has settled the first individual housing loan from the housing accumulation fund, they can apply for a second loan and cancel the two-year interval limit.

4. Continue to carry out portfolio loan business, and implement "provident fund commercial loan" and family portfolio loan business for a long time.

5. To carry out off-site loan business, employees who deposit housing provident fund in other cities (states) in the province or employees who deposit housing provident fund outside the province and have household registration in the administrative area of Changchun City can apply for housing provident fund loans in the center if they purchase owner-occupied housing within the administrative area of Changchun City and meet the requirements for other loans in the center.

The introduction of Changchun personal loan ends here.