The new benchmark interest rate implemented on 2065438+00654381October 20th is

Within half a year (including six months) 5. 10 Half a year to one year (including 1 year) 5.56 One to three years (including three years) 5.60 Three to five years (including five years) 5.96 More than five years 6. 14 Half a year (including six months) 5.66

If you need a loan, but don't know which bank is suitable for you, or which bank's loan quota is full in the current month, you can apply to the bank through Easy Loan China. You only need to submit your application online, and Easy Loan China will review it for you. After approval, Easy Loan China will submit your application to your local bank credit department for verification. After verification, the credit department of the bank will contact you to sign a contract, open a loan card and issue a loan.

Easy Loan China Application Address:

/quickloan/index.jsp？ Dashi = Fall in love with summer.

2. Can CCB apply for a store loan? What are the requirements?

Faced with the complicated loan procedures of banks, buying a house is even more common. How do shops get loans? Among the domestic banks, China Construction Bank is one of the banks with better performance and a member of the state-owned banks. Many property buyers are concerned about whether CCB can handle shop loans. What conditions does CCB need to apply for a shop loan?

Faced with the complicated loan procedures of banks, buying a house is even more common. How do shops get loans? Among the domestic banks, China Construction Bank is one of the banks with better performance and a member of the state-owned banks. Many property buyers are concerned about whether CCB can handle shop loans. What conditions does CCB need to apply for a shop loan?

Can CCB apply for a shop loan?

1. Shop loan is a kind of commercial real estate loan, not a personal housing loan, so you can't use provident fund loan. The purchase of shops can be commercial loans, and loans can be made to loan companies. If you have good conditions and can endure a long waiting time, it is recommended to buy a shop with a bank loan.

2. When applying for a loan from a store bank, you need the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other information, as well as other conditions required by the bank. At the same time, after submitting the application materials correctly, the borrower also needs to provide a down payment certificate of more than 50% of the house price of the purchased store. The loan period of a store can be 10 years.

3. Agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or pledge, or units or individuals with guarantee qualification and sufficient compensation capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities.

What conditions does CCB need to apply for a shop loan?

1. The loan targets of CCB shops: China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.

Two, the construction bank store loan conditions:

1, with legal status;

2, a stable economic income, good credit, the ability to repay the loan principal and interest;

3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank;

4. Self-raised funds not less than 50% of the total price or evaluation value of the purchased commercial house (whichever is lower), and guaranteed to be used to pay the down payment of the purchased commercial house;

5. Mortgaging or pledging assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors;

Can CCB apply for a shop loan? What conditions does CCB need to apply for a shop loan? If the loan period of personal store loan is less than one year, the repayment method of paying interest with principal shall be adopted; No matter what kind of loan you choose, the loan interest rate should also be determined according to the actual situation. The rules of banks are flexible and cannot be generalized.

3. Can CCB apply for renovation of loan shops?

CCB decoration loan shops can apply for loans.

1. Personal credit. The applicant has a good credit and can apply to the bank. Generally speaking, if the credit situation is good and there is no bad record, the payment will be faster. If the amount involved is large, you can consider mortgage loan, and you need to provide real estate mortgage or chattel mortgage to the bank to obtain a large amount.

2. Unit credits. Contact the bank that often cooperates with the company. Generally speaking, in the case of good corporate credit, banks can give more favorable interest rates.

4. Can the decoration loan applied by China Construction Bank be used for other purposes?

China Construction Bank applies for other purposes. Consumer loans that require special funds cannot be used for other purposes. Generally consumed by shops such as the capital,

After being discovered, the loan will be cancelled and repaid in advance.

First, the decoration loan can only be used for decoration in principle, and the conditions required for the loan are:

1, with valid renovation contract certificate.

2. The age of the borrower plus the loan period shall not exceed 65 for men and 60 for women.

3. The renovated property is in the loan area.

Comparison chart of 4 products.

5. Have a stable job and a good ability to repay the principal and interest of the loan.

Beg.

2. What consumption items can CCB decoration loans be used for?

1, consumption of building materials

The purchase of decoration building materials is a must. As a decoration loan, the money can be used to buy decoration building materials, including hardware, curtains, flowers and so on.

Step 2 buy furniture and electrical appliances

In addition to hard clothes, soft furniture and home appliances are also a big expense in decoration, and decoration loans can also be used to buy home appliances and furniture.

3. Decoration company

All-inclusive or semi-inclusive decoration agreement, decoration loan can be used to pay the money of the decoration company, it is recommended to choose a bigger decoration company.

4. Online purchase and payment

Many people think that decoration loans can only be swiped from offline stores, but they can also be used for online shopping payment. For example, you can pay by credit card upon arrival.

Third, loans.

The single-family loan amount does not exceed 6,543,800 yuan, among which, if the renovated house has been loaned and repaid normally for more than 2 years, the maximum loan amount that can be obtained by credit cannot exceed 30% of the house value.

Where collateral is used as security, the loan amount shall not exceed 70% of the value of collateral; By way of pledge (only for China Construction Bank, it may exceed 90% of the value of the pledged property.