I. Short-term loans
Within one year (including one year) 4.35%
Second, medium and long-term loans
One to five years (including five years) 4.75%
More than five years, 4.9%
First, product advantages:
1./kloc-citizens over 0/8 years old with independent civil capacity and financial resources can participate in the application.
2. The loan term can be selected, the shortest term is not limited, and the longest is three years.
3. The repayment method is flexible and can be selected.
4. The lending speed is fast.
Second, the loan conditions:
1. In principle, he has permanent residence in Langfang or other legal residence status;
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
3. The house renovated by the loan shall be intact;
4. Assets recognized by Langfang Bank are used as collateral or pledge, or units or individuals with sufficient compensatory capacity are used as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. Other conditions considered by Langfang Bank.
Three. Application materials:
1. Loan application
2. The identity certificate, household registration book and marriage certificate of the borrower and spouse.
3 proof of economic income or solvency (such as the borrower's income certificate, tax payment certificate or professional certificate, etc.). );
4. Certificate of house decoration (original and photocopy)
5. Proof of loan purpose (such as renovation contract, etc.). )
6. The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the mortgage (pledged) loan amount, the written document of the owner and the guarantee commitment that someone agrees to pledge or mortgage the property or the guarantor agrees to guarantee;
7. Other materials required for Langfang Bank to approve the borrower.
Fourth, what about loans overdue's arrival?
1, the best way for loans overdue is to pay off the overdue part quickly.
2. loans overdue has some negative effects and needs to be treated with caution.
3. Legal basis: Article 577 of the Civil Code stipulates that if a party fails to perform its contractual obligations or fails to perform its contractual obligations, it shall bear the liabilities for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. According to the contract, compensate the corresponding liquidated damages and bear the liability for breach of contract.
Mortgage interest rates of major banks in Langfang, Hebei Province
I. Bank deposit interest rate in Langfang in 2022:
1, current interest: 0.35%;
2. lump sum deposit and withdrawal: three-month interest rate 1.80%, semi-annual interest rate 2.00%, annual interest rate 2.25%, annual interest rate 2.85%, annual interest rate 3.45% and annual interest rate 3.95%;
3. installment, installment and fixed withdrawal: the annual interest rate is 65,438+0.80%, 2.00% and 2.20%.
4, fixed work is convenient: enjoy a one-time discount of 60% interest rate at the same level within one year;
5. Agreement deposit:1.38%;
6. Notice deposit: one-day interest rate 1. 16%, and seven-day interest rate 1.9575%.
Two. Interest rate of Langfang Bank loan in 2022:
1. loan: the interest rate is 4.35% for less than one year (including one year) and 4.75% for one to five years (including five years); The interest rate over five years is 4.90%;
2. Provident fund loan: the interest rate for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.
The above is the interest rate of Langfang Bank in 2022.
Which lending platform is Langfang Bank?
Langfang Bank is the lending platform of Langfang Direct Bank.
Langfang Direct Bank is an online financial service platform built by Langfang Bank, which aims to provide simple, exclusive and interesting income loans and equity services for Internet customers.
Langfang Bank was formally established on February 29th, 2000. It is a national legal financial institution with 1 business department under its jurisdiction.
What are the requirements for Langfang bank loan?
I. Banking institutions
In order to successfully obtain unsecured bank loans, in addition to the borrower's strong repayment ability, it also requires the borrower's "hardware" to be excellent. For example, good credit can provide a stable bank flow for more than half a year, and it would be better if it can have certain professional advantages. Usually the loan amount is about 5- 10 times of the borrower's monthly income. In other words, if the borrower's income is higher, then he will get a loan.
Second, private microfinance companies.
Compared with banks, small loan companies are much closer to the people. On the threshold of loan, there is usually no strict requirement for the borrower's credit information, and the loan conditions are relaxed. Moreover, borrowers can apply for loans through self-storage and running water. Because the conditions are low and it is relatively simple to apply for loans, they can lend money as soon as possible. However, although the requirements of small loan companies are lower than those of banks, in order to control the loan risk, they usually charge much higher fees than banks, and borrowers need to combine themselves.