1. How many thousand yuan can be borrowed for employee loans of public institutions?

Yes

1. Mortgage loans: Banks require enterprises or other applicants to provide property or ownership A loan in which securities are used as collateral.

The so-called mortgage means that the debtor legally transfers the ownership of the property to the creditor, but the creditor does not occupy the property.

2. Provident fund loan: It is a loan that a bank, entrusted by the provident fund management department, uses provident fund deposits as a source of funds and issues to individuals who purchase ordinary housing in accordance with regulations.

3. A mortgage loan means that a home buyer obtains a loan from a bank using the purchased building as collateral. The home buyer pays the bank in installments according to the repayment method and time limit specified in the mortgage contract; the bank charges interest at a certain interest rate.

For home buyers who need to apply for a mortgage loan, they can only apply for a mortgage loan if they meet the following conditions at the same time: have stable legal income, have the ability to repay principal and interest; have an ID card or license; have the ability to purchase The down payment of the real estate has been deposited into the loan bank account; agree to mortgage the real estate or securities recognized by the lending bank to the lending bank.

It is not easy to type. If you are satisfied, I hope you will adopt it.

2. How much loan can be borrowed for staff of public institutions

Bank of China has many types of loans. Due to different loan types, the loan amount is different. If you have loan needs, it is recommended to contact the local branch for details. consult.

3. What is the credit loan limit that employees of public institutions can apply for?

How does the bank handle it?

How to handle it specifically? Let’s take a look at the specific application process:

1. Provide personal identity information, including ID card, household register, marriage certificate and other information for married people;

2. Own real estate: Can loan 16%-20% of the total value of the property

3. If you have a mortgage loan, a mortgage loan, or a bank mortgage loan: Anyone who has paid off the mortgage loan for more than half a year in this city can apply.

4. Car loan: Anyone who has repaid a car loan in this city for more than one year can apply.

5. If you have social security and provident fund: you can apply if you have saved it for more than one year.

6. If you have a commercial insurance policy: you can apply after paying for 3 years and 4 installments.

7. Loan amount: You can apply for up to 1 million yuan

(You can apply if you meet any of the above conditions)

Then go to the bank and find the corresponding department. Each bank requires you to fill in certain forms and application forms, and after obtaining the bank's consent, sign a certain loan agreement with the bank.

4. How much loan can be borrowed for employees of public institutions?

Yes, you only need to provide supporting documents such as ID card, salary card statement, social security card, and card-issuing salary bank statement. It is relatively easy for public institutions to obtain loans from local microfinance companies.

Note:

Loans

Credit loans refer to loans issued based on the creditworthiness of the borrower, and the borrower does not need to provide guarantees.

The characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based only on its own creditworthiness, and the borrower's creditworthiness is used as a guarantee for repayment. This kind of credit loan has been the main lending method of Chinese banks for a long time. Since this type of loan has high risks, it is generally necessary to conduct a detailed inspection of the borrower's economic benefits, management level, development prospects, etc. to reduce risks. It is mainly applicable to enterprises (institutions) legal persons, other economic organizations, and individual industrial and commercial households that have been approved and registered by the industrial and commercial administration authorities, and meets the requirements of the "General Principles of Loans" and bank regulations.