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Bank loan picture generator
There are many types of bank loans, and the conditions of bank loans are also different, but most banks have the same loan application conditions, such as the following conditions:
1. The borrower has full capacity for civil conduct and can provide relevant identification documents.
2. The applicant's personal credit information is good and there is no overdue record.
3. The lender shall provide the guarantee as required by the bank.
4. The borrower has certain repayment ability.
5. Agree to other conditions required by the bank.
Please click to enter the picture description (maximum 18 words).
What is the procedure for obtaining a loan from a bank?
1, sanbao loan
The three operating economic entities are linked by their respective industrial and commercial certificates, guarantee each other and lend money to banks;
Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses;
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 a lender with a business 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. Second-hand housing mortgage loan
If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.
Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.
The mortgage is 680,000 yuan, which is paid every month for 20 years and two years. How much principal do you still owe?
The loan amount is 680,000 yuan, divided into 20 years, and the monthly payment is 4,844 yuan. It can be concluded that the interest rate is 5.88%! 680,000 yuan, loan for 20 years, interest rate of 5.88, equal principal and interest repayment method, total interest to be repaid is 477,945 yuan! It's been paid back for two years now. If you want to pay back at one time, you need to pay back 640 thousand!
First of all, we need to know that the mortgage interest rate is (taking Beijing as an example): the latest LPR benchmark interest rate of China People's Bank is 4.65%, and the commercial housing mortgage loan is referred to as commercial loan; The annualized interest rate of the first home loan is 5.2%, and the annualized interest rate of the second home loan is 5.7%. At present, most banks' consumer loans and credit loans are generally higher than 5%, and only a few banks have special products that can be lower than the annualized 5%.
1. Introduction of consumer loan products: products that are not limited by credit information and liabilities, with emphasis on products that are recycled for life. (The so-called inability to obtain credit information means that after the bank approves the loan, the loan is not reflected in the credit information, and the credit information is obtained in the form of a credit card, and the credit card amount is the monthly repayment amount of the loan. ) 10% of the amount used by credit cards is considered as liabilities. (The limit of 5000 is 500 yuan's debt). Age requirement: 23-60 years old quota: personal maximum annualized interest rate of 300,000: 4.22% Term: 12-60 (recyclable, long-term effective) Repayment method: equal principal and interest, low threshold, no credit, no loan, no debt, no influence on applying for other loans, flexible use, convenient use and long-term effective application. Suitable for friends who buy a house and pay a down payment or need a large amount.
2. Mortgage The latest mortgage policy in 2020 hit a record low! Comparable to provident fund loans! One to two is the same as the annualized interest rate! Product description: mortgage loan, new house could have been done, there is no penalty for prepayment, and one can be done at one or two o'clock. Annualized interest rate: 3.85% repayment method: 30-year equal principal and interest, or 10-year after interest. Maximum amount: 60-70% of the house value, with an upper limit of 20 million. Property requirements: Commercial houses, villas, blanks, vacancies, rentals, company names and business offices that can be listed and traded normally can be handled. Housing age requirements: the housing age is within 35 years, and the school district is within 40 years. The above is the latest bank loan policy in Beijing ~
How to apply for a bank loan
First of all, the borrower should apply to the bank outlet. When applying, the borrower should bring his ID card and other relevant information, and if he is a merchant, he should also bring his business license.
Second, the bank will investigate the lender after receiving the lender's application. The bank mainly examines the lender's personal credit status and personal income to decide whether to lend money.
Third, after investigation and approval by the bank, sign a loan contract with the bank.
Please click to enter the picture description (maximum 18 words).
People's Republic of China (PRC) Commercial Bank Law
Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.
300,000 yuan house, loan of 6,543.8+10,000 yuan, paid off in 654.38+ 00 years. How much is the monthly principal plus interest?
Related to the implementation interest rate and repayment method, according to the current general annual interest rate of 5.88% for five years and above and the repayment method of equal principal and interest, the monthly interest rate is 5.88%/ 12, 10 year (120 months):
Monthly repayment amount =1000005.88%/12 (15.88%/12)120/((15.88%//kloc)
Total repayment amount =1104.19120 =132502.80.
Description: 120 is the power of 120.
How to deal with it
It is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan. The treatment process generally needs to be guaranteed. It is an extension of microfinance in technology and practical application. In China: Mainly serving agriculture, rural areas and small and medium-sized enterprises. The establishment of the company rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises.
Path 1: Bank
If you have a good credit record and a stable job and income, you can go to the bank to handle it. Borrowing in this way can not only get a lower loan interest rate, but also be safe and reliable, which is the best choice for borrowers. However, if the loan threshold is too high, not everyone can get what they want. Therefore, before applying for a bank, it is best for borrowers to evaluate their own situation and see if they are suitable for bank loans, which can save the time for loan approval.
Please click to enter the picture description (maximum 18 words).
Path 2: Small loan companies
In addition to banks, borrowers can also find small loan companies to handle loans. Compared with banks, small loan companies not only have a low threshold, but also lend quickly, but the loan cost is slightly higher, because in addition to interest, they have to pay a certain handling fee.
In addition, from the security point of view, small loan companies also slightly lost to banks, so I would like to remind everyone here: in order to find a reliable small loan company, in addition to visiting in person, you must also remember not to pay any fees before you get the loan.
Path 3: Credit card
Many people think that credit cards are simple consumption tools, but in fact, credit cards are also short-term. Moreover, compared with traditional banks, credit cards have another advantage, that is, cardholders can enjoy an interest-free period. In other words, after the cardholder overdraws his credit card, he can enjoy interest-free as long as he repays it before the stipulated repayment date, up to 56 days.
There are several ways for bank loans.
Hello, there are many ways to get loans from banks, such as credit loans, commercial loans and mortgage loans. You can choose the appropriate loan method according to your own needs and conditions. At present, there are many platforms on the Internet to borrow money. I suggest you pay attention to two factors when choosing. First, choose a trustworthy brand; Second, we should pay attention to the clarity and transparency of loan products and services, such as loanable amount, loan interest rate, repayment time and repayment method. Only by choosing reliable loan products can you meet your urgent need for money and ensure that your personal interests are not infringed.
MoneySpend, a credit brand owned by Xiaoman Finance, is recommended to provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Wealth Management APP (click on the official calculation). The daily interest rate of money-consuming loans is as low as 0.02%, which has the characteristics of simple application, low interest rate, fast loan, flexible repayment, transparent interest expenditure and strong security.
The application conditions for sharing rich consumer products with you are mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: Money-rich flowers refuse to provide consumer installment loans to students at school. If you are a student at school, please give up the application.
2. Information requirements: You need to provide your second-generation ID card and my debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID card or first-generation ID card.
(Insert picture)
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual calculation method of interest expenses of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan page shall prevail. I hope this answer is helpful to you.
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