Can rural credit cooperatives handle mortgage loans?

1. Can rural credit cooperatives apply for mortgage loans?

Rural credit cooperatives can apply for mortgage loans.

Second, what does the social security loan of rural credit cooperatives mean?

You get a social security card loan from a rural credit cooperative. Social security loans are similar to personal housing provident fund loans, and borrowers who have paid social security can apply for a certain amount of social security credit loans.

There are so many kinds of loans that many people don't know what kind of loans they have. It's actually quite simple. As far as loan methods are concerned, the current loans are mainly divided into credit loans, mortgage loans and secured loans.

Social security card loans are different from other loans. It doesn't need guarantee or mortgage. You can apply for a loan if you pay social security. It is easier to pass the application than unsecured and unsecured personal pure credit loans, because the review of personal pure credit loans will be stricter, and it will be easier to apply for social security card loans.

Three, rural credit cooperatives how to issue housing loans

How do rural credit cooperatives get housing loans? How do rural credit cooperatives borrow money?

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans and discounts.

A general term for borrowing funds such as overdraft. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Rural loan application conditions:

1. basic account or general deposit account has been opened in rural credit cooperatives, and a certain amount of payment deposit has been reserved in this account;

Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis;

2 have the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made;

3 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit.

The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.

4. The asset-liability ratio of the lender of rural credit cooperatives shall not be higher than 70%.

5. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must comply with the provisions of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.

6. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

7. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures;

8. Lenders of rural credit cooperatives must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.

1 loan process:

22 loan application → loan investigation → loan review → loan approval;

33. Sign a contract → loan issuance → post-loan inspection → loan recovery.

Matters needing attention

1, down payment

When individual commercial housing loans are repaid in installments, interest is generally calculated on schedule. In the current loan period, the borrower is generally not required to repay the loan, but to repay the amount payable in the next interest settlement period. Generally, the actual number of days in the current period of individual housing loan lending date is added to the next interest settlement period as the first loan.

2, the principle of early repayment of loans

(1) Early repayment refers to the behavior that the borrower voluntarily proposes to repay part or all of the loan to the loan bank when he has certain repayment ability. Early repayment is regarded as the borrower's breach of contract (that is, it is not handled according to the contract), and the bank may charge liquidated damages if necessary.

(2) Prerequisites for prepayment: the borrower has not defaulted on the previous loan, and the previous interest arrears, current interest and liquidated damages have been paid off; If the principal, interest and liquidated damages are in arrears, the default and current interest shall be returned first.

(3) If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of the principal and interest due shall be implemented. With the consent of the loan bank, the borrower may settle all the loans in advance, and calculate the interest according to the original contract interest rate and the actual service life, but may not repay part of the principal in advance.

(4) If the loan term exceeds 65,438+0 years, during the loan period, the borrower may repay part of the principal or pay off all the loan principal and interest in advance with the consent of the loan bank after submitting a written application for prepayment to the bank, and the interest paid off in advance will not be calculated in the future, and the loan interest previously charged will not be adjusted. If all the loans are paid off in advance, with the consent of the loan bank, interest will be charged according to the interest rate agreed in the contract, the loan balance and the actual number of days occupied.

3. Provisions on repayment methods

If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal; If the loan term exceeds 65,438+0 years, the loan principal and interest can be repaid by equal principal and interest, average capital or progressive repayment.

4. Adjust interest rates

(1) The interest rate changes during the loan period shall be subject to the regulations of the People's Bank of China. If the loan term is within 1 year (including 1 year), if the legal interest rate is adjusted, the loan interest rate will not be adjusted, and the contract interest rate will continue to be implemented; If the loan term exceeds 1 year, if the legal interest rate is adjusted, the new interest rate will be implemented according to the corresponding interest rate grade from 1 next year.

(2) The loan contract stipulates that the latest loan interest rate shall be implemented when the legal loan interest rate is adjusted and the loan account is opened during the loan issuance with the bank after signing the loan contract.

5. Adjustment of installment repayment plan

(1) After the loan is issued, if the loan interest rate changes, the interest rate will be adjusted on June 65438+ 10/next year, and the installment repayment amount will be recalculated according to the outstanding loan balance, adjusted loan interest rate and remaining term;

(2) After prepayment, after the prepayment amount reaches the amount specified by the loan bank, you can choose to recalculate the installment amount or continue repayment without changing the installment amount.

Fourth, the mortgage interest rate of rural credit cooperatives began to decline in 2022?

If there are still some existing policies, the loan interest rate may rise or fall.

Ordinary loan interest rate: 6% for half a year to one year (including one year), 6.4% for one year to three years (including three years), and 6.55% for more than five years;

2. Provident fund loan interest rate: 2.75% for less than five years (including five years) and 3.25% for more than five years.

The above is the relevant content of the mortgage interest rate of rural credit cooperatives in 2022.

How to inquire about the remaining life of housing loan?