At present, most residents choose the loan method when buying a house, which relieves people's economic pressure to some extent. They only need to pay the down payment to own a house, and then pay the mortgage every month, but do you know what the interest rate of Shaanxi Credit Cooperative is? Let's take a look with Bian Xiao. I believe it will bring you different views.
What is the mortgage interest rate of Shaanxi Credit Cooperative?
Shaanxi Credit Cooperatives has a mortgage interest rate of 0-6 months and an annual interest rate of 4.35%. The annual interest rate of loans from 6 months to 1 year is 4.35%, that from 1 year to 3 years is 4.75%, that from 3 years to 5 years is 4.75%, and that from 5 years to 30 years is 4.90%. It is recommended that friends who want to borrow money choose according to their family's economic situation.
Matters needing attention in buying a house by loan
1. Don't use the provident fund before applying for a housing loan.
If you take the money stored in the provident fund to pay the house payment before the loan, the balance of the provident fund in your personal provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.
2. Don't repay the loan in advance in the first year.
According to the relevant regulations, the loan should not be repaid in advance in the first year, but after one year of repayment, the amount returned should exceed six months of repayment.
Don't forget to find the bank around you if you have difficulty in repaying the loan.
If during the loan period, your solvency declines and it is difficult to repay, don't be stubborn. Generally speaking, ICBC's customers can apply to ICBC for extending the loan term. If there is no default in repaying the loan principal and interest after investigation and verification by the bank, ICBC will accept your application for extending the loan term.
Summary: Well, the above is an introduction to the interest rate of credit cooperatives in Shaanxi Province. I hope I can give you some help. I believe that in the process of understanding the interest rate of Shaanxi Credit Cooperatives, friends will be more handy and get their own satisfactory answers.
What are the personal loan conditions of Shaanxi Credit Cooperatives?
Shaanxi Credit Cooperatives provides customers with various loan businesses. The following are the loan conditions of Shaanxi Credit Cooperatives:
1, the applicant must be a natural person with full capacity for civil conduct;
2. The age is between 18-60 years old;
3. Personal credit is good and there is no bad credit record;
4, a stable source of income and the ability to repay the loan in full;
5. Have a good willingness to repay;
6. The debt ratio should meet the loan requirements, generally requiring the debt ratio to be lower than 60%;
7. Other loan conditions stipulated by Shaanxi Credit Cooperative.
Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
Personal loans refer to local and foreign currency loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. , and agreed to loan interest, agreed to repay the principal and interest on schedule, for the purchase of owner-occupied housing, consumption or small investment business. Personal loans provided by banks are different.
What are the types of personal loans?
1. Personal housing commercial loan
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.
2. Personal housing provident fund loans
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.
3. Individual housing portfolio loans
Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.
Shaanxi credit cooperative conditions
First, credit cooperatives microfinance borrower conditions:
(a) farmers or self-employed households in the community have full capacity for civil conduct;
(2) Strong credit concept and good credit standing;
(three) engaged in land cultivation or other production and business activities in line with national industrial policies, and have reliable income;
(four) family members must have a labor force with labor production or management ability.
2. The maximum loan amount for farmers' guaranteed loans and guaranteed loans is 50,000 yuan, and the maximum loan amount for merchants' guaranteed or guaranteed loans is 6,543,800 yuan. The term is in months, with a minimum of 1 month and a maximum of 12 months. There are many repayment methods to choose from, such as one-time repayment of principal and interest, equal principal and interest, equal principal and interest in installments, etc.
Three, farmers' credit rating, loan amount determination steps:
(1) Farmers apply for loans from credit cooperatives;
(two) the credit personnel to investigate farmers' demand for production funds and family income, grasp the borrower's credit situation, and put forward preliminary opinions;
(three) the credit rating team shall determine the loan amount and issue the loan certificate according to the information provided by the credit personnel and representatives of local members or villagers' committees.
Four, the credit rating of farmers is divided into excellent, good, general and other credit ratings.
(a) the standard of "excellent" grade is:
1, within three years, borrow from the credit union and repay the principal and interest on time, with no bad records;
2, the family annual per capita net income of more than 2000 yuan;
3, its own funds accounted for more than 50% of the funds needed for production.
(two) the standard of "better" grade is:
1, which has a stable and reliable income source and basically does not owe loans;
2, the annual per capita net income of families 1000 yuan or more.
(3) The standard of "general" grade is: 1, and the family has basic labor force;
2. The annual per capita net income of the family is above 500 yuan.
All localities can determine the specific evaluation criteria and methods according to the actual situation. The amount of micro-credit loans for farmers is approved according to the credit rating of farmers, and the maximum amount is agreed by the central branch of the People's Bank of China and the county (city) credit cooperatives.
Extended data
loan origination
(a) farmers who have been rated as credit users apply for loans to credit cooperatives with their ID cards and "Farmers' Loan Certificate" and fill out the "Application for Farmers' Loan".
(two) the staff of the credit office carefully examined the valid documents such as the Application for Farmers' Loan, the Certificate of Farmers' Loan and the ID card, and verified them with the Economic Archives of Farmers.
(3) After the backstage staff of the credit cooperatives have verified that it is correct, they shall go through the loan procedures, sign the Credit Loan Contract for Farmers of Rural Credit Cooperatives with the borrower, and submit it to the accounting supervisor of the credit cooperatives for review before issuing loans.
(four) credit office staff at the same time to register the "farmers loan certificate" and "farmers' economic files".
(5) The borrower must sign the Application Form for Farmers' Loan, the Credit Loan Contract of Rural Credit Cooperatives and the IOUs, and affix their handprints.