Application conditions
1. Borrower 18 years old;
2. Stable income and good credit;
3. Provide the purchase contract and proof of down payment;
4. Agree to entrust our bank to transfer the full amount to the developer's account, and authorize our bank to deduct the monthly repayment amount from the account;
5. For a natural person with full capacity for civil conduct, the applicant's age plus the loan period shall not exceed 70 years old.
What do you mean by loan discount?
That is to say, the interest rate of housing commercial loans is based on the benchmark interest rate stipulated by the People's Bank of China, and preferential treatment is given according to a certain proportion. For example, at present, the benchmark interest rate for loans with a mortgage interest rate of more than five years is 6.60%. If the discount is 15%, the execution interest rate is 5.6 1%.
Generally speaking, you need certain conditions to enjoy preferential mortgage interest rates. Must be the first time to buy a house, the total income of myself or my family is more than twice the monthly repayment amount of the loan, and my or my spouse's personal credit record is bad.
Conditions for the use of 30% discount coupons for loans in Bank of Ningbo
The use condition of the 30% discount coupon for Bank of Ningbo loan is that your consumption amount this month reaches 1 000 yuan, and your deposit amount reaches 1 000 yuan, which can be used normally. When you use it, your loan amount needs to reach 654.38+0 million.
Preferential loan policy for small and micro enterprises?
In the course of operation, small and micro enterprises often have problems such as poor and broken capital chains for various reasons. To solve these problems, small and micro enterprises usually choose loans. When applying for loans, small and micro enterprises should first learn about local policies from financial institutions or relevant government departments, then see if they meet the policy requirements, and then apply for loans from designated institutions. The following are common preferential policies for small and micro enterprise loans. Guarantee: Some places support small and micro enterprises, and government departments guarantee loans for enterprises and provide loans to financial institutions. Or loans from financial institutions, guarantee companies provide guarantees, and the government subsidizes guarantee fees. Small and micro enterprises can get bank loan support in the case of insufficient collateral. Interest rate concessions: there is a kind of loan support for small and micro enterprises, which is guaranteed by financial institutions, designated guarantee institutions and subsidized by government departments. Lower the threshold for loans: Small and micro enterprises are not as qualified as large and medium-sized enterprises, and often cannot provide sufficient collateral or ideal proof of running water. Financial institutions will reduce the loan requirements for small and micro enterprises. However, such loans usually require a third-party guarantee (government or guarantee company). Speed up lending: there is usually a long approval process for corporate loans from application to lending, and some corporate loans last for three or four months. Some financial institutions provide fast-track loans for small and micro enterprises, so that enterprises can obtain funds quickly. Small and micro enterprises support loans, usually local governments introduce specific policies and cooperate with designated financial institutions to provide services for small and micro enterprise loans. Therefore, preferential policies vary from place to place, and the conditions and methods of obtaining preferential loans are also different.
What are the conditions for the discount of bank loan interest rate? How can I get a discount?
To apply for a personal loan from a bank, the actual loan interest rate you can apply for needs to be comprehensively priced in combination with business types, credit status, guarantee methods and other factors, and can only be determined after being approved by the handling outlets.
Some commercial banks attach some conditions in the process of implementing preferential mortgage interest rates, so that so-called "quality" customers who meet these conditions can get preferential treatment. At the same time, some commercial banks have different preferential policies for different properties. For example, full-time employees of public institutions can directly enjoy preferential loan interest rates when handling large deposits in banks, purchasing a certain amount of wealth management products or purchasing designated real estate.
How does China Construction Bank apply for preferential loan interest rate? These methods may be effective.
You go to the bank to apply for a loan, and the bank will make a comprehensive evaluation according to the borrower's personal qualifications. After evaluation, the better the borrower's personal qualifications, the lower the loan interest rate that can be applied for, and vice versa. A friend asked, how does CCB apply for preferential loan interest rates? These methods may work!
How does China Construction Bank apply for preferential loan interest rate?
1. Submit asset certificate.
For banks, every loan means risk. The richer the borrower's assets, the smaller the overdue risk. Borrowers can submit some asset certificates to China Construction Bank, such as houses, watches, certificates of deposit recognized by banks, etc., to prove their asset strength.
In order to retain high-quality customers, banks will be willing to give certain discounts on loan interest rates. If the borrower does not have a lot of assets in his name, he can also find ways to increase his salary or provide his own work unit. Ordinary civil servants, teachers and bank executives can also get certain loan interest rate concessions.
2. Seize the opportunity to apply for a loan.
In order to achieve KPI, banks sometimes offer some preferential activities for loan products, and even have a certain release period. As long as borrowers seize this opportunity to apply for loans, they can also get lower loan interest rates. In addition, borrowers with more deposits can also apply for certain interest rate concessions.
3. Buy the bank's own products
Borrowers can also choose to buy some of the bank's own products, on the one hand, increase their economic records in the bank, on the other hand, they can have more business dealings with the bank. After becoming a VIP customer of the bank, you can also get preferential loan interest rates.
The above is the related content sharing of "How China Construction Bank applies for preferential loan interest rate", hoping to help everyone!