After meeting the basic loan policy, we should also meet the specific loan application standards according to the specific credit products. If the borrower wants to apply for tax payment e-loan, then the borrower's business operation must be more than 2 years, the latest tax payment credit rating is above B (inclusive), and the company's total tax payment in the past 12 months is above1000000 yuan (inclusive).
If you want to apply for the pledge e-loan of Agricultural Bank of China, then the borrower must be an enterprise manager, and the business is legal and the credit rating of the enterprise is normal. Production and operation 1 year or above (inclusive).
If the borrower wants to apply for a chain loan, the company operated by the borrower must have a complete information management system and relatively complete data accumulation, the personal credit status of upstream and downstream enterprises and enterprise managers is normal, and the upstream and downstream enterprises set up bank settlement accounts in the Agricultural Bank.
If the application refers to the agricultural bank of China's online loan, then the borrower must be at least 20 years old, and the sum of age and loan period must not exceed 60 years old; Having worked 1 year or more (inclusive) and having been declared as an on-the-job contract employee; Have a bank settlement account of Agricultural Bank of China (both Class I and Class II).
How is the mortgage loan suitable now? Nowadays, when applying for bank loans, borrowers can choose three ways of housing loans: provident fund loans, portfolio loans and commercial loans. These three repayment methods have their own advantages and disadvantages, and the borrower must find a suitable loan application method according to his own situation.
1, provident fund loan
The biggest advantage of provident fund loans is that the interest rate of bank loans is relatively low. Theoretically speaking, provident fund loan is more like a loan for profit. Judging from the data of previous years, the annual interest rate of five-year provident fund loans is around 3.25%.
Suppose the borrower borrows more than 6,543,800 yuan, and the annual loan interest rate is 32,500 yuan. The five-year annual interest rate of commercial loans is 4.9%. Compared with provident fund loans, commercial loans have high interest rates.
One of the biggest shortcomings of provident fund loans is that the loan amount is relatively low. According to the regulations, if a borrower applies for a loan in his own name, the maximum loan amount cannot exceed 600,000 yuan, and the maximum loan amount for husband and wife cannot exceed 654.38+0.2 million yuan.
2. Commercial loans
A commercial loan is to apply for a mortgage loan from a bank. Generally speaking, the biggest advantage is that as long as the borrower meets the loan application criteria and has the repayment ability, whether it is millions or a certain amount, the application can be successful. Similarly, the disadvantage is that the interest rate of bank loans is relatively high, which is difficult to compare with provident fund loans.
3. Portfolio loan
Portfolio loan is the way of provident fund loan+commercial loan. Borrowers can directly apply for provident fund loans, enjoy some low rates, and apply for commercial loans after the rest need credit lines.
The advantage of this repayment method is that it can not only meet the borrower's loan conditions, but also reduce some bank loan interest rates. But the disadvantage is that the steps of applying for a loan are complicated, the borrower must run at both ends, and the probability of being refused a loan is also great.