1. Do you need a loan intermediary to apply for a loan in Xiamen?
If you have bad records such as overdue debts and bad debts, and your personal repayment ability is relatively strong, you can also directly apply to the bank Apply for a loan. It's just easier to have an intermediary help. After all, they know the loan process better and are familiar with the loan products of major banks. The processing speed will be faster, but they need to pay an intermediary fee.
2. Do you need a loan intermediary to apply for a loan in Xiamen?
Xuncai Basket Rensu Blood Type Squeezing
3. When is the application time for low-rent housing in Xiamen in 2023?
According to Xiamen City’s low-rent housing policy, the next round of low-rent housing application time has not yet been announced, but it is usually around October every year. Applicants need to meet the specified conditions first, such as working and living in Xiamen for 2 years, personal income meeting the standards, etc., and submit corresponding application materials. According to the policy, the rent of low-rent housing in Xiamen will be about 30% lower than the market rent, providing necessary housing security for eligible low-income families. When applying, you should pay attention to the completeness and accuracy of the materials, and keep an eye on the latest developments in the policy so that you can participate in the application in a timely manner.
4. Is an intermediary necessary for mortgage loans?
There is no need for an intermediary for mortgage loans. According to the provisions of the general loan regulations, loans from banks cannot be handled by intermediaries. Personal housing mortgage loan conditions: 1. Have a permanent urban residence or valid residence status; 2. Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule; 3. Have the full price of the purchased house of more than 20 RMB. Raise funds and guarantee the down payment for the purchased house; 4. Have assets recognized by the bank as mortgage or pledge, or a unit or individual with sufficient solvency as a guarantor to repay the principal and interest of the loan and bear joint liability; 5. . There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the assessed value of the bank or the real estate appraisal agency entrusted by the bank; 6. Other conditions stipulated by the bank. Article 11 of the "Interim Measures for the Administration of Personal Loans" Article 11 Personal loan applications shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations; (2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no major bad credit record; (6) Other conditions required by the lender. Article 25 of the "General Principles of Loans of the People's Republic of China" Loan Application: Borrowers who need a loan should apply directly to the sponsoring bank or the handling agency of other banks. The borrower should fill in a loan application including the loan amount, purpose of the loan, repayment ability and repayment method and provide the following information: 1. Basic information of the borrower and guarantor; 2. Approved by the financial department or accounting or auditing firm The financial report of the previous year, as well as the financial report of the period before the loan application; 3. Correction of the original unreasonable occupation of the loan; 4. List of mortgages and pledges, and the consent of the person with the right to dispose of the mortgage, proof of pledge and guarantor Relevant supporting documents for the proposed guarantee; 5. Project proposal and feasibility report; 6. Other relevant information deemed necessary by the lender.