According to the inquiry, Xinyang Construction Bank Loan Center is located at No.338, Section 2, Renmin Middle Road, Xinyang City, Henan Province. It is open from 9 am to 4 pm every Monday to Saturday.
Can Xinyang Yangcheng Yaju get a mortgage loan?
Xinyang Yangcheng Yaju can get a mortgage loan.
During the mortgage period, loans can be made in two mortgage. The applicant must first determine the mortgage service company and loan scheme, sign the loan agreement after the loan qualification examination, go through the mortgage formalities, and wait for the loan with the mortgage certificate.
The foundation of law
Article 25 of the general principles of loans
If the borrower needs a loan, he should apply directly to the lead bank or the agent bank of other banks.
Article 29
All loans shall be signed by the lender and the borrower. The loan contract shall specify the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of the borrower and the borrower, and liability for breach of contract. Contract and other matters agreed by both parties. To guarantee a loan, the guarantor shall sign a guarantee contract with the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor and sign it by the legal representative of the lender. Guarantor or its authorized agent. In case of mortgage loan, the mortgagor, pledger and lender shall sign a mortgage contract or pledge contract. Where registration is required, it shall be registered according to law.
Article 30
The lender shall issue the loan on time in accordance with the loan contract. If the Lender fails to issue the loan on time as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.
What is the interest rate of China Agricultural Bank Xinyang housing loan 20 17?
Hello, China Agricultural Bank Xinyang housing loan 20 17 interest rate 4.9%-5.9%. The specific interest rate can be determined according to the customer's credit status and other factors. In addition, the Agricultural Bank of Xinyang housing loan also has a certain loan amount, with a maximum of 2 million and a minimum of 500,000. In addition, agricultural bank Xinyang housing loan has a certain repayment period, the longest is 30 years, and the shortest is 1 year. In addition, the Agricultural Bank of Xinyang housing loan has certain repayment methods, such as matching principal and interest, average capital or other repayment methods. In a word, the interest rate, amount, term and repayment method of Xinyang housing loan of Agricultural Bank of China can be determined according to the credit situation of customers and other factors.
Does Xinyang housing provident fund loan have to work in Xinyang?
Xinyang housing provident fund loan can't work in Xinyang.
If you have paid for more than 6 months continuously outside Xinyang, you can apply for a loan in different places.
How to calculate the loan amount of Xinyang provident fund
If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan;
At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.
I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, the maximum loan amount is 500,000 yuan;
At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
The actual loanable amount is subject to the amount finally approved by the management office. Most cities have stipulated the maximum amount of a single housing provident fund loan, which generally does not exceed 80% of the total housing price.
Legal basis: Article 4 of the Measures for the Administration of Individual Housing Loans stipulates that not less than 30% of the total price of the purchased housing shall be used as the down payment for the purchase of housing without housing subsidies; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;
"Regulations on the Administration of Housing Provident Fund" Article 27 An applicant who applies for a housing provident fund loan shall provide a guarantee.
Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, with the approval of the housing provident fund management committee, the housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.
Which bank loan in Xinyang is the easiest to approve?
Xinyang Agricultural Bank loan is the easiest to approve. As long as the pre-tax monthly income is above 3,000 yuan, users aged between 24 and 55 can apply for payroll loans from the Agricultural Bank of China. The maximum loan amount is 500,000 yuan, the loan period is the shortest one month, and the lowest interest rate is 7.2%. Compared with other banks, ABC has a short loan cycle and easy approval.