Loan terms:
1, have worked in this unit for more than 3 months (after the probation period).
2. The pre-tax income of your monthly salary is more than 5,000 (if you have applied for a credit card in a bank and have a bank credit record, you can relax it to more than 3,000). Generally, you meet the above conditions, and the amount you can borrow is 6- 10 times of your monthly salary.
3. Wages will be paid by the bank in the form of punching cards, not in cash.
4. Issue the payroll list printed by the payroll bank and the work certificate of the employer.
bank loan
It refers to an economic behavior that banks lend funds to those in need of funds at a certain interest rate according to national policies and return them within an agreed time limit. Generally, guarantee, house mortgage, proof of income and good personal credit information are required before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in Britain mostly take the form of bill discount, credit accounts and overdraft accounts.
What conditions do commercial banks need for loans?
Loan conditions: working in this unit for more than 3 months (after the probation period);
The pre-tax income of a monthly salary is more than 5,000 (if you have applied for a credit card in a bank and have a bank credit record, you can relax it to more than 3,000). Generally, you meet the above conditions, and the amount you can borrow is 6- 10 times of your monthly salary;
Wages are paid by the bank in the form of punching cards, not cash;
Issue the payroll list printed by the payroll bank and the work certificate of the employer.
The significance of housing mortgage loan:
To provide financial support for the development and operation of real estate, because real estate development has the characteristics of large investment and long construction period, it needs to invest a lot of money in all aspects to operate, and it is difficult to maintain it only by relying on the developer's own funds. According to 1999, 70% of the development funds of real estate enterprises in China come from loans.
Support housing consumption, and housing mortgage loans provide favorable help for buyers, making distant housing dreams come true.
It is beneficial for banks to develop new business and reduce credit risk. Real estate is one of the pillar industries of the national economy. Through the reform of housing system, housing has entered thousands of households as a consumer commodity, and its market and development potential are great.
What are the commercial loan terms of banks?
Conditions for commercial loans: 1. Beijing urban residents with full capacity for civil conduct and residents from other cities, overseas and foreign citizens who have the right of abode permanently in Beijing must meet the following conditions when applying for loans: 2. Have legal residence status; 3. Have a stable occupation and income; 4. Have the ability to repay the loan principal and interest on schedule; 5. There are assets recognized by the lending bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions to guarantee them; 6. There is a contract or agreement to purchase housing; 7. When applying for a loan, there is a deposit of not less than 30% of the funds needed to purchase a house in CCB. If the house has been paid in advance to the house selling unit, the original and photocopy of the payment receipt are required; 8. Other conditions stipulated by the lending bank. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually for 9 months, not exceeding one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use, and the legal loan interest rate is implemented. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Materials required for loan:
My household registration book, ID card or other valid residence certificate;
Proof of occupation and income;
Purchase contract or letter of intent and other relevant certification materials.
The down payment certificate accounting for 30% of the house price;
Other materials required by the agency of China Construction Bank.
Loan procedures: 1. The agency of CCB or the law firm (or notary office) entrusted by CCB will investigate the information provided by the borrower. 2 CCB agencies to examine and approve the borrower's application. 3. The borrower opens an account, receives a savings card and signs a loan contract. 4. Handle the relevant guarantee procedures such as mortgage, guarantee, pledge and insurance. 5. The loan contract takes effect and the funds are transferred to the developer's account.
What are the conditions for applying for a commercial loan?
Many people will choose commercial loans to buy a house, because there will be relatively few restrictions on commercial loans. However, everyone still needs to meet some conditions stipulated by the bank when applying for commercial loans. So what are the conditions for applying for a commercial loan? Next, Xiaobian will simply introduce it to you.
1, when we apply for a commercial loan from a bank, our age needs to be 18-65 years old; Is a natural person with full capacity for civil conduct; Have a legal and valid residence identity card. Under normal circumstances, the borrower's age, plus the loan period we apply for, cannot exceed 70 years old, and different banks have different requirements for the applicant's age. However, it is usually difficult for people who apply for commercial loans to be younger or older.
2. The applicant also needs to have a stable occupation and income and be able to repay the principal and interest of the bank on time. Generally, it is required that the applicant has worked in the unit for more than half a year; The monthly income is above 3,000 months; Shanghai, Beijing, Guangzhou and other cities may be required to earn more than 5,000 yuan a month before tax, and the monthly income is more than twice the monthly payment. Applicants also need to have sufficient funds to pay the down payment.
3. To apply for a commercial loan from a bank, the applicant also needs to have good credit. For example, there has never been three consecutive overdue or six repeated overdue. Different banks have different credit requirements, such as China Construction Bank, which requires applicants to have a credit rating of BBB or above. When we apply for a commercial loan from a bank, we also need to have collateral recognized by the bank, such as real estate. In addition, applying for commercial loans also needs to meet other conditions stipulated by the lending bank.
Xiaobian summary: What are the conditions for applying for a commercial loan? Xiaobian introduced it here. I hope that after reading this article, I can provide you with reference. Different banks have different requirements for commercial loans. If you need to apply for commercial loans, you'd better consult the loan banks first about what conditions they need to meet.
Do you need any conditions for commercial loans?
Conditions for commercial loans: 1. Beijing urban residents with full capacity for civil conduct and residents from other cities, overseas and foreign citizens who have the right of abode permanently in Beijing must meet the following conditions when applying for loans: 2. Have legal residence status; 3. Have a stable occupation and income; 4. Have the ability to repay the loan principal and interest on schedule; 5. There are assets recognized by the lending bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions to guarantee them; 6. There is a contract or agreement to purchase housing; 7. When applying for a loan, there is a deposit of not less than 30% of the funds needed to purchase a house in CCB. If the house has been paid in advance to the house selling unit, the original and photocopy of the payment receipt are required; 8. Other conditions stipulated by the lending bank. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually for 9 months, not exceeding one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use, and the legal loan interest rate is implemented. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Materials required for loan:
My household registration book, ID card or other valid residence certificate;
Proof of occupation and income;
Purchase contract or letter of intent and other relevant certification materials.
The down payment certificate accounting for 30% of the house price;
Other materials required by the agency of China Construction Bank.
Loan procedures: 1. The agency of CCB or the law firm (or notary office) entrusted by CCB will investigate the information provided by the borrower. 2 CCB agencies to examine and approve the borrower's application. 3. The borrower opens an account, receives a savings card and signs a loan contract. 4. Handle the relevant guarantee procedures such as mortgage, guarantee, pledge and insurance. 5. The loan contract takes effect and the funds are transferred to the developer's account.
What are the conditions for commercial loans?
Question 1: Excuse me! What are the conditions for buying a house with a commercial loan? Hello, if you apply for a commercial housing loan, there are the following requirements for the loan applicant (the information is for reference only, and the actual review is subject to the individual loan):
Citizens of the People's Republic of China and residents of Hong Kong, Macao and Taiwan with full capacity for civil conduct, as well as foreigners who have lived in the People's Republic of China for more than one year (inclusive), must also meet the relevant requirements of the state for foreigners to purchase commercial housing.
At the same time, the borrower shall meet the following conditions:
1.has legal and valid identification;
2. Age plus loan period shall not exceed 70 years old. If more than two (inclusive) applicants apply for a loan, the loan term can be reasonably determined according to the actual situation, but at least 1 borrower's age plus loan period is not more than 70 years old;
3. Have the ability to repay the loan principal and interest on time. The ratio of monthly loan expenditure to monthly income of the borrower should be controlled below 50% (inclusive), and the ratio of monthly debt expenditure to monthly income should be controlled below 55% (inclusive);
4. Abide by the law, be honest and trustworthy, have no illegal acts, and have not involved any criminal cases or civil cases against them at present;
5. Other conditions stipulated by the agency.
If you apply for a provident fund loan, you need to check the specific regulations of the local provident fund management center. You can contact our online customer service to explain the name of your city, and we will help you verify whether you can find out the specific provisions of the local provident fund loan.
If you have any other questions, I suggest you consult "Customer Service Online" forum.cmbchina/...ncmu=0. Thank you for your attention and support!
Question 2: What are the requirements for commercial loans? A house purchase loan refers to a loan issued by a bank to a borrower for purchasing an ordinary house for personal use. The borrower must provide a guarantee when applying for a personal housing loan. How many ways are there to buy a house loan? There are three ways of housing loan:: housing loan way 1: personal housing entrusted loan is the full name of personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using housing provident fund. Housing provident fund loan is a policy-based personal housing loan, on the one hand, its interest rate is low; On the other hand, it mainly provides such loans for low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is more than 1%, both investors and ordinary people who buy houses and live in their own homes are inclined to choose housing provident fund loans to buy houses. Housing loan method 2: Personal housing self-operated loan is a loan issued to individual buyers from bank credit funds. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called personal housing loans, and Industrial and Commercial Bank and Agricultural Bank are called personal housing secured loans. Housing loan method 3: Personal housing portfolio loan refers to the loan for purchasing self-occupied ordinary housing issued to the same borrower from housing provident fund deposits and credit funds, which is a combination of personal housing entrusted loan and white camp loan. In addition, there are housing savings loans and mortgage loans. II. Requirements for an individual to apply for a housing loan: 1. Agree to use the purchased house as collateral. 2. The age of the borrower plus the loan period shall not exceed 65 for men and 60 for women; 3. Have full capacity for civil conduct; Have permanent residence or valid residence status in China; 4. You must pay a down payment of not less than a certain percentage of the total price of the purchased house. 5. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan; 6, has signed a contract or agreement to buy housing; 3. General information to be submitted: 1, proof that all or part of the down payment has been paid; 2. Proof of the borrower's repayment ability 3. Original and photocopy of the contract, agreement or letter of intent for purchasing second-hand housing. 4. The borrower's legally valid identity document: resident identity document, household registration book, military officer's card, or other valid residence permit. ; 5. The borrower and/or spouse are authorized to inquire about the authorization documents of the personal credit information system of the People's Bank of China; 6. The leased property must provide proof of the change of lease rights and interests. 7. A copy of the current passbook of China Bank in the borrower's own name for contribution; 8, the transaction of housing "property value assessment report". 9. Other supporting documents or materials required by the lender. Iv. Housing loan application process: 1, consultation, application acceptance, pre-loan investigation 2, loan approval 3, loan issuance 4, loan recovery 5, post-loan management At present, the maximum loan amount of second-hand housing bank loans is 70% of the total house price! Loans are divided into: provident fund loans, commercial loans (mortgages) and portfolio loans (provident fund and commercial portfolio loans). Handling methods: Loan process: Purchase of commercial housing and affordable housing for individual housing provident fund loans. Step 1: Apply for loans at the loan bank. The borrower applies for housing provident fund loans with the copy of the house purchase contract and the developer's house sales permit, ID card, housing provident fund savings magnetic card and seal at the CCB Real Estate Credit Department in all districts and counties.
Question 3: What materials are needed for commercial loans? Generally speaking, applicants need to provide the following materials:
(1) The borrower's valid identity document.
(2) the borrower's occupation and income certificate
(3) Proof of loan purpose
(4) Social Security Card
(5) Bank flow
You can look at the following loan provisions for your reference:
1, three-guarantee loan
The three operating economic entities are linked by their own industrial and commercial certificates, guarantee each other and lend to banks;
Requirements for loan procedures: provide their own identity certificates, household registration books, marriage certificates, industrial and commercial certificates, tax certificates, cash flow, operating conditions and other relevant certificates, and the repayment person is the person in charge of each business;
2. Mortgage loan
Taking real estate as a mortgage loan means taking real estate (real estate) as a mortgage and applying for a loan for the lender with the operating enterprise (industrial and commercial license).
Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report;
3. First-hand housing mortgage loan
I bought a newly developed house, so I need to mortgage the newly bought property and apply for a mortgage loan for the lender myself.
The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income, and guarantee certificate of guarantee company.
Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.
4. Second-hand housing mortgage loan
I bought a second-hand house, so I need to mortgage the property I just bought and apply for a mortgage loan for the lender myself.
Loan procedures need: identity certificate of the buyer and the seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, income certificate of the buyer and the certificate of no house.
Question 4: Excuse me! What are the conditions for buying a house with a commercial loan? Everyone must have a fixed income and the provident fund must be paid for one year.
Question 5: What are the conditions for buying a commercial loan? Hello, if you apply for a mortgage in our bank, the following information is for your reference only, which is subject to the examination of the personal loan department: the borrower must meet the following conditions: citizens of the Chinese people, Hong Kong, Macao and Taiwan with full civil capacity, and foreigners who have lived in the Chinese people and China for more than one year (inclusive), and must also meet the relevant requirements of the state for foreigners to buy commercial housing.
1.has legal and valid identification;
2. Age plus loan period shall not exceed 70 years old. If more than two (inclusive) applicants apply for a loan, the loan term can be reasonably determined according to the actual situation, but at least 1 borrower's age plus loan period is not more than 70 years old;
3. Have the ability to repay the loan principal and interest on time. The ratio of monthly loan expenditure to monthly income of the borrower should be controlled below 50% (inclusive), and the ratio of monthly debt expenditure to monthly income should be controlled below 55% (inclusive);
4. Abide by the law, be honest and trustworthy, have no illegal acts, and have not involved any criminal cases or civil cases against them at present;
5. Other conditions stipulated by the agency.
Attachment: If you need to apply for a first-hand property loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If there is, you can directly contact the resident staff of the real estate and hand over the information to the staff. If not, you need to contact the local counter personal loan department directly to provide your personal information and the purchased real estate to apply.
If you need to apply for a second-hand property loan at China Merchants Bank, you usually apply for a loan from our bank before you go through the formalities of property transfer. You can contact the local counter personal loan department to provide your specific information and the purchased property, and the counter personal loan department will review your comprehensive situation to determine whether you can handle it (off-site loans are not supported for the time being, and some branches do not support this business, so it is recommended that you contact online customer service first to verify).
If you have any other questions, I suggest you consult "Customer Service Online" forum.cmbchina/...ncmu=0. Thank you for your attention and support!
I hope it can help you.
Question 6: What materials do you need to prepare for personal commercial loans? Asset certificate, ID card certificate and work income certificate. The credit bank can check them by itself. If the credit is not good, the bank will not approve them.
Question 7: What are the conditions and procedures for buying a house with a loan 1, and the down payment ability?
When calculating your down payment ability, you must add the decoration cost of the house, because you can't live in a rough house. yuqiancyh
2. Monthly supply capacity
If you buy a house by loan, your monthly supply should be controlled at about 30% of your monthly income, because you should consider not only the rising interest rate of the loan, but also the decreasing income. In addition, when you buy a house with a loan, you'd better set aside a year's mortgage.
Coefficient of repayment ability
The repayment ability coefficient is used to calculate the repayment ability of the lender. It is the ratio of the loan principal to the lender's income in the current month. The repayment ability coefficient can prevent the risk that the monthly repayment amount accounts for too high a proportion of family income and cannot repay the mortgage. If you want to know your repayment ability, you must know the repayment ability coefficient.
Calculation of repayment ability coefficient of mortgage;
Example: If the coefficient is 0.4, the monthly income is 8,000 yuan, and you can repay 3,200 yuan every month.
If the coefficient is 0.5, the monthly income is 8,000 yuan, and you can repay 4,000 yuan every month.
Personal repayment ability coefficient is related to personal monthly income, job nature, family property and credit information. The higher the personal income, the more stable the job, the more family property and the better the credit information. Then his repayment ability coefficient will be greater. On the contrary, it will be smaller.
What is the repayment ability coefficient of commercial loans?
Commercial loans are generally 0.5. If you and your wife are married and your monthly income is 1 10,000/month, then your monthly repayment ability is 5,000, and you can get a loan with a monthly repayment of 5,000 yuan.
What is the repayment ability coefficient of provident fund loans?
The repayment ability coefficient of provident fund is determined according to different loan periods, which is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years.
Different cities have different regulations on the repayment ability coefficient of provident fund. The repayment ability coefficient of Tianjin is 35% within ten years (including ten years), 40% in ten to twenty years (including twenty years) and 45% in twenty to thirty years. The repayment ability coefficient of Dalian is 0.35, and that of Kunming and Shanghai is 0.4.
Note: repayment ability means that you have such repayment ability, and the maximum loan amount you can apply for from the bank at most. However, in addition to knowing the monthly repayment amount, you also need to know the repayment ability, and finally determine the appropriate monthly repayment amount through comprehensive evaluation.
Question 8: What are the requirements for the first commercial loan of China Construction Bank to buy a house?
Have a legal residence status;
Have a stable occupation and income;
Having the ability to repay the loan principal and interest on schedule;
There are assets recognized by the lending bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions to guarantee them;
There is a contract or agreement for the purchase of housing;
When applying for a loan, there is a deposit of not less than 30% of the funds needed to purchase a house in CCB. If the house has been paid in advance to the unit selling houses, the original and photocopy of the payment receipt are required;
Other conditions stipulated by the lending bank.
Question 9: What are the conditions and procedures for commercial loans? What qualifications do you need? There are some differences in commercial loans due to different policies in different regions.
The general requirements are:
1. Natural persons aged 18-60 (Hong Kong, Macao and Taiwan 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. The actual age of the borrower plus the loan application period should not exceed 70 years old;
4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank;
5. Self-raised funds of more than 30% of the total price of the purchased house (for those who purchase self-occupied houses with a floor area of less than 90 square meters, the proportion of self-raised funds is 20%), and it is guaranteed to be used to pay the down payment of the purchased house;
6. There are assets recognized by the lending bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.
Materials to be provided by the Borrower:
1. Husband and wife's ID card, household registration book/foreigners need temporary residence permit and household registration book;
2 copies of marriage certificate/divorce certificate or judgment/single certificate;
3. Proof of income (in the format specified by the bank);
4. Copy of the business license of the unit (with official seal);
5. Credit certificate: including academic certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Question 10: What are the conditions for commercial housing loans?
1, with legal and valid identification.
Identity cards and household registration books of residents in this Municipality; Residents of other provinces and cities should provide the household registration certificate or temporary residence permit provided by the local household registration management department in addition to their ID cards and household registration books; Passports provided by foreigners; Birth certificate or one-child certificate is required if you are under the age of 18.
2, must have a stable and legitimate economic income, can provide the corresponding income and assets.
The income certificate is issued by the borrower's work unit, stamped with the company's personnel seal or official seal and a copy of the business license; Self-employed, private and private borrowers can provide copies of tax receipts and business licenses for the past three months; If the monthly income issued exceeds 2,000 yuan, a tax bill or other asset certificates (bank deposit certificates, securities, investment certificates, real estate, etc.) shall be provided.
3. A natural person with full capacity for civil conduct has no bad credit record.
4. Sign a valid purchase contract or purchase agreement with the seller.
5. Paid a down payment in a specified proportion (generally not less than 30% of the total price of the house purchased) or deposited a deposit not less than the down payment in the loan bank.
6. The age of the lender is 18-65 years old, and there are different restrictions on the loan period for different ages.
7. Other conditions stipulated by the lending bank.