Individuals can take out loans. Individuals who own collateral or meet the relevant conditions can apply for loans from banks.

Individuals who are unemployed or have no stable jobs have two ways to apply for loans. One is to apply for a loan from the bank in the name of one's relatives or friends, and the other is to apply for a mortgage loan with the property in one's name as collateral. If the lender has a stable job and a fixed income, he can apply for a personal credit loan from the bank without mortgage and guarantee. Applying for a personal credit loan generally requires the lender to have a stable job and income, maintain a good credit status, have no bad records in the credit record, punch in a monthly salary or deposit money in a bank account every month.

Generally speaking, the personal credit loan amount can reach five to ten times the monthly salary, and more loans can be obtained for civil servants, institutions or teachers. Due to different applicants and different loan types, the materials required by banks are not the same. Common personal materials include identity certificate, work certificate and residence certificate; Enterprise application materials include business license, financial statements and loan cards; Financial proof of real estate, automobiles and other collateral; Credit loans, such as income certificates and bank statements, need to be submitted to banks on the premise of ensuring authenticity and accuracy, so as to speed up loan application, reduce the time for obtaining loans and increase the number and amount of loans. Therefore, we should try our best to keep a good credit record and have a stable job in our daily life, so that we can get the money we need from the bank quickly.

Second, can the provident fund be withdrawn to pay the down payment? Many people made a mistake.

Many people want to borrow money to buy a house, but their own funds are insufficient. Seeing that there are still tens of thousands of dollars in the provident fund account, they intend to take out the balance of the provident fund account to make up the down payment before lending. Then, can the provident fund withdraw and pay the down payment? Let's get to know each other.

Here from two angles, first of all, look at whether it is feasible to withdraw the provident fund and pay the down payment before lending.

1. Provident funds can be withdrawn, but most of them are earmarked.

For example, renting a house; Purchase, construction, renovation and overhaul of owner-occupied housing; Willing to withdraw the housing provident fund to repay the serious illness of buying self-occupied housing, it must be earmarked.

Retirement withdrawal, withdrawal withdrawal, termination of labor relations and subsistence allowance withdrawal, although there is no provision for the use of funds to be withdrawn, the accounts before withdrawal are sealed, and the provident fund accounts will be cancelled after withdrawal.

So in any case, the provident fund

2, even if you can withdraw the provident fund to pay the down payment and then make a loan, it will have an impact on the loan. Because the balance of the provident fund account is directly proportional to the amount of the provident fund loan.

Calculated by the formula: the loan amount of provident fund = the balance of provident fund account × multiple (including 20 times for the first suite and 10 times for the second suite). The more the balance of the provident fund, the higher the loan amount of the provident fund. On the contrary, if the balance of the provident fund account is small, the loan amount may be insufficient. So you can't borrow money to buy a house. 3. Can I get a loan?

You can borrow money.