1. What are the conditions for Huaxia loan?
1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed).
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. Male: loan period+house age ≤65 Female: loan period+house age ≤60.
Materials to be submitted when applying for a loan from a bank
1. The borrower's valid ID card and household registration book;
2, proof of marital status, unmarried need to provide proof of unmarried, divorce needs to issue a court civil mediation or divorce certificate (indicating that you have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. The loan can only use collateral, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral;
7. Have a long-term stable income source and proof of income sufficient to pay the monthly loan principal and interest.
Second, the details of microfinance
1, service time: 3~36 months.
2. Loan amount: 8,000-500,000 (equal repayment of principal and interest every month)
3. Monthly handling fee: 0.75%, 9% a year, 1 0,000 yuan, only 75 yuan interest is needed in January, and 900 yuan is needed in one year. In addition, you can choose to settle the full handling fee directly in advance in the month after payment, and the handling fee is 0.60% per month.
The comprehensive monthly interest rate is generally 0.77%-0.99%, and some high-quality enterprises also have discounts (top 500 enterprises, institutions, doctors, teachers, etc. ).
To sum up, if you need to apply for a loan in Huaxia Bank, you must first be a natural person aged 65,438+08 ~ 60. The loan period plus house age for men should be less than or equal to 65, and that for women should be less than or equal to 60. You have a stable job, a stable income and the ability to repay the loan. Provide your own ID card, household registration book, marriage certificate, income certificate and real estate license, and you must have certain collateral to get a loan. Loans are usually used for 3-36 months, with the amount ranging from 80 million yuan to 500,000 yuan, and the monthly interest rate of loans is generally 0.75%. If you still have some related questions to consult, please feel free to pay attention to me.