I want to borrow 50,000 yuan from the rural commercial bank, have a house and earn 4,000 yuan a month. ...

I want to borrow 50,000 yuan from the rural commercial bank, have a house and earn 4,000 yuan a month. ...

You can go to the business hall of the local commercial bank to find out, don't just value one.

Identification and business premises:

The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

Proof of funds:

The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. Related books

Settlement account:

The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.

Loan guarantee:

Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

Application procedure

Preparation materials:

These materials include proof of identity, proof of marital status, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank. Finally, there must be collateral, and there are many ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on.

Fill in the application form

The applicant holds the business plan (or loan project book) and puts forward the demonstration requirements to the loan guarantee recommendation institution or business experts. Those who pass the demonstration can apply for a business loan.

Get a recommendation:

After the recommendation institution organizes experts or relevant personnel to demonstrate the application project, if it meets the conditions of the opening loan, it should sign the recommendation in the recommendation column of the opening loan application; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant.

Identity confirmation:

The applicant obtains the identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the Application for Opening an Account Loan.

Bank acceptance bill:

The applicant shall submit a loan application to the designated bank acceptance point with the "Application for Starting a Business Loan" signed with recommendation opinions and identity confirmation opinions, and provide relevant materials.

Loan review:

The bank shall make a loan audit opinion within ten days from the date of acceptance, and fill in the comments in the bank audit opinion column of the Application for Opening an Account Loan and submit them to the account opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions.

Apply for a loan:

After accepting the bank's opinions on loan guarantee, the lender's individual (or unit) guarantee procedures and loan procedures can be handled according to the requirements of bank credit rules and regulations within five working days.

2. Do rural commercial banks need proof of salary for mortgage?

Any bank that issues mortgage loans needs to pay the loan. Banks need both.

Three, rural commercial banks housing loan staff salary

The salary of loan officers in rural commercial banks, the average salary of loan officers is 6822 yuan/month (as of 20 1 1 year), of which 100% of the salary income is in the range of 6000-8000 yuan/month.

I am a farmer. How do I apply for a housing loan? Is it easy to apply?

In this crisp autumn weather, I am very happy to share my views on this issue with you. Here we walk into this problem together, and now let's discuss it together.

Farmers apply for housing loans as follows: first, the applicant's ID card, the original and photocopy of the household registration book, and the marriage certificate; Second, the applicant's family income materials and related certificates; Third, the applicant has a stable and legitimate economic income and the ability to repay interest; The applicant must have the mortgage of house rights and interests and the guarantee of relevant personnel; Fourth, the applicant should prepare relevant materials and fill in the loan application form in the bank, and the bank will lend money after your materials are approved.

I will share the following quality contents with you. First of all, I would like to share my personal views and thoughts on this issue. I also hope that my sharing can bring you help and happiness, and I hope that you will like my sharing.

Theoretically speaking, you must have a down payment, and the rest can be paid to the developer or the original homeowner through bank loans. If you want to borrow money to make up the down payment, the state is not allowed. I suggest you don't do it either There is too much pressure to repay the loan. It is possible that the capital chain will be broken, which will affect the living standard and credit information will be greatly affected. If the credit information is not good, it will be difficult to move in the future, and it will also have a certain impact on children! So think twice before you act, act and cherish!

If you have the down payment, it will be easier for you to get a loan from the bank. For the new house, the property consultant will tell you the materials you need, and you can prepare according to her! The information is ready, just give it to the property consultant! If it is a second-hand house, just prepare the materials directly according to the intermediary, usually work (income) certificate, marriage certificate, bank running water, ID card and so on! If there is no intermediary, go directly to the bank to consult and prepare materials!

Above, my wonderful sharing is the answer to this question, all my true thoughts and opinions. At the same time, I hope that the answer to this question I shared can help everyone.

I also hope that everyone will like my answer. If you have a better answer and opinion on this question, please share your comments and join us in this topic.

I'm here, and I sincerely wish you all happiness, health, family and prosperity every day, making a fortune every year and thriving business. Thank you.

Finally, everyone is welcome to speak freely on this issue. If you like me, remember to pay attention to it and share and answer my thoughts and opinions for you every day.