Conditions for buying a house with bank loan: 1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence; 2. Have a stable occupation and income ability; 4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee. 5, there is a contract or agreement to buy housing; 6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of a house in the Construction Bank. If the applicant applies for a policy-based personal housing loan, he shall deposit the housing provident fund in the Construction Bank according to regulations; 7. Other conditions stipulated by the lending bank.
2. What are the requirements for personal loans in Chengdu?
What are the requirements for handling personal loans in Chengdu 1? Job requirements: Have a proper job and a stable monthly income? Credit requirements: Personal credit record is good and there is no serious overdue. 3. Residence requirements: proof of residence is required, and a receipt for utilities can be provided. 4. Age requirement: China citizens aged 22-60 with full capacity for civil conduct.
What are the requirements for handling personal consumption loans in Chengdu? Conditions: 1, with legal and valid identification and full capacity for civil conduct; 2, a good credit record, with the ability to repay the loan principal and interest on schedule; 3. Having the household registration or other valid proof of residence where the handling bank is located, and having a fixed residence in the local area; 4. Can provide consumer use certificate approved by the bank; 5. Other conditions stipulated by the handling bank. 6. Original identity documents, household registration book and marriage certificate of the applicant and spouse; 7. Proof of income of the applicant and spouse; 8. Local residence certificate; 9, consumer use certification materials; 10, guarantee certification materials; 1 1, other required information.
What are the requirements for applying for a loan in Ping An Pratt & Whitney? Conditions for applying for loan business: 1,18-a natural person aged 65; 2. The borrower's actual age plus the loan application period shall not exceed 70 years old; 3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule; 4. Good credit information and no bad records; 5. Other conditions stipulated by the bank.
Application conditions for personal loan in Chengdu: 1. China citizens with fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, with the age limit of 18 and under 65, and full civil capacity; 2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; 3. Have a good credit record and willingness to repay, and no bad credit record; 4. Being able to provide legal, effective and reliable guarantee recognized by the bank; 5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations; 6. Open a personal settlement account in a bank; 7. Other conditions stipulated by the bank. Information required to apply for personal loan: 1. Original and photocopy of ID card 1 copy (front and back 1 copy); 2. The original husband and wife residence booklet and a copy of the husband and wife residence booklet (copied on one side of a piece of paper); 3. The original marriage certificate and a copy of the marriage certificate; 4. If you need someone else to guarantee you, you also need the original and copy of the guarantor's ID card; 5. If the commercial housing mortgage is needed, the appraisal report issued by the appraisal company shall be provided. 6. Other information required by the bank. Bank loan review steps: 1. Loan application. Borrowers apply for loans from local banks. In addition to applying for rural areas, relevant information must be provided for applying for other types of loans; (1) Basic information of the borrower and guarantor; The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan; (3) Rectification of original unreasonable loans; (4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention; 5] Project proposal and feasibility report; (6) Other relevant information deemed necessary by the Bank. 2. Credit rating evaluation. The bank evaluates the borrower's credit rating; 3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers; 4. Loan approval. Banks examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval; 5. sign a contract. The bank signs a loan contract with the borrower; 6. Loan issuance. Banks issue loans on schedule according to the loan contract; 7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation; 8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.
Is it easy to apply for a personal mortgage loan? What are the requirements? Requirements for applying for housing mortgage loan: the housing mortgage loan requires the service life of the house to be within 20 years; The housing area should be more than 50 square meters; The house should be highly mobile. If you want to get a loan, you can find it in Baidu: Yi Rong. You can apply online. They are professional online loan application platforms. A loan can connect multiple banks and help you choose the most suitable products, and there is no charge before lending!
What conditions do individuals need to apply for loans from Industrial Bank? Industrial Bank's personal loan application conditions 1, with full capacity for civil conduct, under the age of 50. 2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce. 3, engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. 4. Good credit standing, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee (such as unit certificate, income certificate, husband and wife certificate, etc.) recognized by Industrial Bank. ) .5. Having a fixed domicile and business premises in the agency. 6. Open a settlement account in Industrial Bank, and handle daily settlement through Industrial Bank account. 7. Other conditions stipulated by Industrial Bank.
What are the requirements for personal loan of Nanjing Provident Fund? What are the requirements for applying for housing provident fund loans? To apply for a housing provident fund loan, the borrower must have a permanent residence in the town or a valid residence status, and have a stable occupation and income; Before the loan application date, the housing accumulation fund must be continuously deposited at least 1 year (including 1 year); It is necessary to have a certificate of purchase, renovation and overhaul of owner-occupied housing approved by the municipal housing provident fund management center and a certificate of repayment of the loan for the purchase of owner-occupied housing by employees in commercial banks; The real estate or securities recognized by the Municipal Housing Provident Fund Management Center are used as collateral or pledge, and employees with sufficient compensation capacity are used as guarantors, and the guarantors shall provide written materials and credit certificates of the guarantors; The borrower should also have self-raised funds of not less than 30% of the total house price as the down payment for house purchase.
What are the conditions for housing mortgage loan? To apply for housing mortgage loan, certain conditions must be met, and the requirements of both banks and other financial institutions are exactly the same. The specific requirements are as follows: 1. The actual age of the loan maturity date is generally not more than 65 years old. 2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule. 3. Willing and able to provide real estate mortgage approved by the lender; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities. 4. The property right of the mortgaged house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgages. 5. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments. 6. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.
What are the conditions for short-term loans in Chengdu? Conditions for short-term loan application in Chengdu: 1. China citizens who have reached the age of 18, have full capacity for civil conduct and have a fixed residence in China. 2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis. 3. Open a savings account in a loan bank. 4. Car mortgage can be provided, and there are guarantee measures recognized by the loan bank. 5. Willing to accept other conditions stipulated by the lending bank. Please consult family finance for details.
3. How much interest do you need for a loan 10000 in Sichuan Rural Credit Cooperative? Are there many formalities? Is the loan easy?
The formula upstairs is wrong. According to the annual interest rate of 6%, the annual interest rate is 100006% 1=600 yuan. There are many procedures and troubles, mainly because of the long waiting time.
If you have a good job, a good credit report and a good bank flow, it is easy to borrow money.
4. What information do you need for a loan in Chengdu?
1. ID card, household registration book, temporary residence permit, marriage certificate and education certificate of the borrower and the borrower's spouse.
2. Income certificate issued by the borrower's company (see annex for the format of income certificate), and a copy of the bank memo or passbook in the borrower's name for more than 6 months.
3. A copy of the business license of the borrower's company, a capital verification report, and an audit report of the company's bank for more than 6 consecutive months and nearly 2 years.
4. Property certificate of mortgaged house
5. See the annex for the assessment report issued by the assessment agency.
6. Other large assets (automobiles, other real estate, certificates of deposit, statements of stock funds, etc.). If the monthly income is more than 20,000 yuan, it should be provided.
7. If the purpose is to buy a house, provide copies of the ID card and household registration book of the seller's husband and wife, as well as copies of the real estate license of the house purchased, and the second-hand house sales contract (see the annex for details).
8. If it is used for decoration, a detailed list of renovation contract and decoration budget issued by the decoration company is required.
The above is for reference only. You can look at the door-to-door loan specifically.