Loan type 1: personal credit loan
Personal credit loan is a fashionable loan method at present, so what conditions do you need to apply for this kind of loan? Usually, banks require borrowers to have stable jobs and fixed residences; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 3000 yuan. Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.
Loan Type 2: Housing Mortgage Loan
The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements for the lender's income and credit, the service life of the house should be within 20 years and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.
Loan Type III: College Students' Entrepreneurship Loan
College students pay more attention to this kind of loan than we thought. At present, many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan? Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.
Loan Category 4: Personal and Family Loans
Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. What are the conditions for applying for this loan? Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.
Loan Type 5: Housing Mortgage Loan
At present, many people apply for housing mortgage loans, so what are the loan conditions? Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.
Second, what are the conditions for the decoration company to cooperate with the bank to handle the decoration loan?
Your current decoration company can't handle decoration loans for customers. Your company needs credit from the bank before it can handle decoration loan projects for customers.
Third, what is a home improvement loan? Does the decoration company need to sign any agreement or contract with the bank?
The so-called decoration loan refers to the personal credit loan launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loan. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project. It is understood that there are two loan forms and one credit card installment form for home improvement loans. The first is to apply for personal credit loan decoration, which has special requirements for the applicant's occupation or enterprise; Secondly, the decoration loan of personal consumption loan, in which consumption loan refers to the mortgage loan with certificate, that is, the consumption loan applied for by mortgage of real estate, but the bank has different requirements for mortgaged real estate in terms of house price, house age and real estate area; There is also the credit card home improvement stage. Due to the different nature, the application cycle, process difficulty and cost are also different. Applicants who need loans must have local permanent residence and legal and valid identity certificates, have a legitimate occupation and stable income, and have the ability to repay the principal and interest of loans when due. Moreover, the borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc. , it is also necessary to provide information such as the purchase and sale contract of the newly purchased house, the purchase invoice (or the ownership certificate of the original house renovated), and other conditions stipulated by the cooperative organization. The bank's decoration loan business has high requirements for applicants, and not everyone can apply for decoration loans. When some banks apply for decoration loans, they are required to apply for personal consumption loans for decoration, and they must use houses as collateral. Moreover, the bank specifically reminded that the same property cannot be mortgaged again to apply for a loan. This means that families who are repaying their mortgages will have no chance to apply for renovation loans in these banks. Personal housing renovation loans require that the property must be your own. And there are also special requirements in the housing decoration loan, that is, there must be a housing renovation contract, decoration budget and related materials signed with the decoration and decoration enterprises recognized by the relevant departments; Some banks also require owners to have no less than 30% of the total decoration budget, and then use the loan after investing in the project construction. In addition, according to the regulations of the bank, personal consumption loans are generally not allowed to be withdrawn, and the bank will transfer the money to the account of the decoration company, and the loan period is generally not more than 5 years. There are many loan methods for you to choose from. Of course, it is not difficult to apply for a decoration loan as long as it meets the application conditions of the bank. And many banks have tailored different decoration loan products for consumers with decoration needs. For example, CCB's "home improvement loan" is a good choice. China Construction Bank's "home improvement loan" includes all personal loan products with decoration financial services, such as mortgage loans and consumer loans. As long as the borrower is between 18-60 years old, has full capacity for civil conduct and needs renovation funds, he can apply for a loan by mortgage, guarantee, pledge or credit, with the maximum amount of1000000 and the longest loan period of 5 years. There is also a decoration loan from China Merchants Bank. Consumers can apply for housing mortgage loan at China Merchants Bank if they can provide renovation contract/agreement. The maximum amount is 1 10,000, and the loan period is 10 year, which is applicable to both first-hand houses and second-hand houses. In addition, most banks require collateral, but what if there is no collateral? At this time, consumers can choose the "new loan" of Ping An Bank. It is a personal consumption loan product specially issued for borrowers with stable jobs and incomes, and the monthly income is used as the basis for judging the loan amount. Of course, in addition to the above-mentioned bank decoration loan products, bank personal consumption loans and bank personal credit loans can also be used for decoration. The threshold for bank loans is relatively high. If the funds are tight, you can choose a decoration loan product that suits you. In addition to banks meeting such capital needs, some Zhuang Jie 020 companies have also entered the field of decoration loans, because they are closer to customers and they can better understand their needs. Taking Tuba Rabbit as an example, we jointly recruited consumer finance companies to launch unsecured decoration loan products. If necessary, you can compare and choose.
4. What are the conditions for the decoration company to cooperate with the bank to handle the decoration loan?
1, decoration loan application conditions:
(1) has local permanent residence and legal and valid identification;
(2) Have a proper occupation and the ability to stabilize the principal and interest.
(3) The borrower can provide relevant asset certificates, bank statements, tax receipts, etc.
(4) Newly purchased houses need to provide information such as house sales contracts, purchase invoices, etc. (or the original houses that have been renovated again need to provide house ownership certificate materials);
(5) Other conditions stipulated by the Cooperation Organization.
2. In the first half of the year released by China Consumers Association, Internet decoration companies' "running away" caused consumers' property losses to become one of the top ten complaint hotspots. "20 18 skyrocketed. Consumer finance itself is good, but if it is not standardized, it will amplify risks and directly harm consumers' interests.
Extended data:
Liang Lei, senior director of Hainan Branch of Postal Savings Bank, said that in order to do a good job in consumer finance and prevent risks, banks need to prevent and control illegal cases from the aspects of system and personnel, further improve the accountability management mechanism for authenticity verification and prevent falsehood. At the same time, it is necessary to strengthen fund management and guard against consumer financial risks.
Effectively resolve the control of the risk degree and use of "decoration loan", reasonably match the actual use and the actual decoration demand, and ensure that the actual use of funds will not change. At the same time, the financial supervision department should also pay attention to the phenomenon of "decoration loan" similar to the Internet decoration platform in a timely manner and encourage it in a differentiated way.