Shanghai, a big city, has a very developed economy, so the demand for funds will be even greater. Relatively speaking, the demand for loans has also increased. So, are the loan companies in Shanghai reliable? What are the regular loan companies?
Its formal Shanghai loan company is absolutely reliable. Formal Shanghai loan companies are permitted by law, and the conditions for the establishment of non-bank financial institutions approved by the industrial and commercial departments are also very harsh. Therefore, there are still relatively few formal companies.
But in Shanghai, many swindlers cheat under the banner of the company, which makes people suffer. To judge the authenticity of a loan company, we need to start with its business qualifications.
What are the loan companies in Shanghai?
1, Shanghai Atlantis Financial Services Co., Ltd. This is a formal and reliable financial services company with a national license and a highly specialized business team. Compared with other small loan companies, the credit loan amount is also higher and the lending speed is very fast.
2. Shanghai Qian Sheng Loan Company. The company is a financial service company, providing loan guarantee and other loan guarantee services. If you want to apply for personal consumption loans or credit loans, you can find this company, which is headquartered in Pudong, Shanghai.
3. Shanghai and Hongkong Bank. Open a company to handle personal loans and corporate loans. The amount of personal loans is between 1 0,000-300,000, with annual interest rate of 10% and monthly interest rate of 1%. The loan amount of enterprise loans is between 654.38+ ten thousand and 654.38+ten thousand, and the monthly interest rate is 654.38+0%.
4. Shanghai Pudong New Area Changjiang Dingli Co., Ltd. is a new rural quasi-financial institution initiated by private capital with the approval of the Financial Office and according to the Guiding Opinions of the China Banking Regulatory Commission and the People's Bank of China on Company Pilot. The registered capital of the company is 1 100 million yuan.
How much can Shanghai provident fund loan borrow?
65438+ ten thousand, the maximum amount of common provident fund loans is account balance10,000. If it is less than10,000, it is calculated as10,000, which means that the maximum loan can be10,000, depending on your payment base.
There are also restrictions on the amount of provident fund loans. The general loan amount is determined according to the time we pay and the amount in the provident fund account. The total amount of provident fund loans is generally your monthly deposit multiplied by the total number of months of statutory retirement age, plus twice the balance of the provident fund account.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:
First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.
According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.
How much can Shanghai provident fund loan borrow?
The latest amount of Shanghai provident fund loan is as follows:
The maximum loan amount of family housing provident fund is 6,543,800+0,000, and the individual is 500,000. If there is supplementary provident fund, the maximum loan amount of family housing provident fund will be increased to 6.5438+0.2 million, and that of individuals will be increased to 600,000. If it is a second suite, the maximum loan amount of the family provident fund is 800,000, and the maximum personal loan amount is only 400,000. If there is a supplementary provident fund, the maximum amount of family and individual provident fund loans is 6.5438+0 million yuan and 500,000 yuan respectively.
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.
With the same loan amount and repayment period, provident fund loans can save tens of thousands of yuan in interest than commercial loans. Take a 400,000 house as an example, with a loan of 280,000. If the term of the commercial loan is 25 years, the monthly repayment is 172 1 yuan, and the total repayment for 25 years is 5 16300 yuan, and the total interest paid is as high as 236,300 yuan. It is also a provident fund loan with a term of 25 years, with a monthly repayment of 1.548 yuan. The total repayment in 25 years is 464,400 yuan, and the total interest paid is 1.8444 million yuan. Compared with commercial loans, the monthly payment can be reduced by 1.73 yuan, and the interest expense can be saved by nearly 5 1.90 yuan in 25 years.
With the same loan amount and the same repayment amount, compared with commercial loans, provident fund loans not only have shorter repayment time, but also have much less repayment interest. Similarly, if the loan of 280,000 yuan is repaid with the same amount 172 1 yuan/month, the commercial loan will be repaid for 300 months, totaling 5 16300 yuan, with interest of 236,300 yuan. The provident fund loan is repaid to 25 1 month, that is, 2 1 year, and all the principal and interest have been paid off, with a total repayment of 4,30715 yuan, and the interest paid is only 1507 15 yuan, which is 85,585 yuan less than that of commercial loans.
Shanghai provident fund loan amount in 2020
The official website of Shanghai Housing Provident Fund stipulates the loan amount as follows: for the first suite, the maximum loan amount is 600,000 yuan per person, and the maximum loan amount for more than two people is 1 .2 million yuan; If you buy a second suite, the maximum loan amount for 1 person is 500,000 yuan, and the maximum loan amount for more than two people is 1 10,000 yuan.
There are two ways to calculate the loan amount of Shanghai provident fund, and the borrower can calculate it in the following two ways:
1, provident fund loan amount = 15 times the balance of the provident fund account of the borrower and the participant;
2. Loan amount of provident fund = sum of the monthly contributions of the borrower and the borrower ÷ contribution ratio × 12 months × loan amount ×40%.
How much can Shanghai commercial loan borrow?
1. Can borrow 400,000 yuan.
2. Basic requirements for commercial loans:
1) Lender 16-65 years old;
2) Lend necessary spare parts:
3) The lender must have a stable and legitimate economic income and can provide corresponding income and asset certificates;
(1) Income certificate issued by the borrower's work unit, stamped with the official seal (or personnel seal) of the company and a copy of the business license;
Self-employed individuals, private enterprises and private borrowers can provide tax receipts or audited financial statements and business licenses for nearly 3 months;
(3) If the running water does not match the income, that is, the running water is not enough to cover twice the monthly payment, other valuable assets, such as real estate and deposits, can be provided.
Money, wealth management, stocks, funds, etc. ;
4) A natural person with full capacity for civil conduct has no bad credit record (in principle, he has joined the company for three consecutive years and all banks have loans.
Subject to the letter of credit requirements in paragraph);
5) Sign an effective purchase contract or purchase agreement with the owner;
6) Pay the down payment of the house purchase ratio.
1. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.
2. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.
3. Submit a loan application: When you have signed a house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process. Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months. In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by loan banks should be inquired in detail.