You can't.
Proof of assets.
1. Full House Red: The local full house red is a strong proof of the borrower's asset strength, and banks can issue credit loans to borrowers on this basis. The amount is related to the holding value of the property and the nature of the property, generally up to 500,000.
2. Mortgaged house: As long as customers with mortgaged houses repay on time every month, they will leave a good credit record on the credit investigation, which means that the credit investigation not only reflects the real estate, but also reflects a good repayment record. Therefore, banks can issue credit loans to customers according to the repayment situation of mortgaged houses, and the amount is linked to the repayment time and monthly repayment amount of mortgaged houses, generally up to 500,000.
3. Car: The logic of mortgaging a car loan with a full car is similar to that of mortgaging a house with a full house. The full car is an asset certificate, and the mortgage car reflects the repayment record. The loan amount is also related to the value of the car. Because the value of the car is limited, the loan amount is generally not too high. Of course, please ignore friends who have luxury cars at home.
4. Provident Fund: The longer the housing provident fund is paid, the more stable the borrower is in the work unit, and the higher the monthly payment means the higher the position of the borrower in the work unit. On the other hand, the balance in the housing provident fund is also the borrower's asset, so banks are very fond of borrowers who pay the provident fund stably. It should be noted that applying for a credit loan with the provident fund will not use the borrower's provident fund, but will only query the deposit information of the provident fund as the basis for approval.
5. Life insurance policy: Because life insurance policy holders need to pay premiums regularly, the accumulated premiums are also an asset of individuals. Therefore, some banks will regard it as credit records and assets and use it to develop credit products. Similar to the provident fund, the longer the payment time, the higher the payment amount, and the easier it is to approve funds. In general, customers need to pay life insurance policies three times every two years.
6. Company operation (running water, paying taxes, invoicing): For borrowers with company operations under their names, there will be more loan options. At present, major banks have developed many credit loan products for small and medium-sized enterprises, most of which require companies to have a large operating flow (more than 6.5438+million per month), tax payment (more than 6.5438+million per year) and invoices (more than 6.5438+million per year). This kind of loan amount is relatively large, up to 3 million, and the annualized interest is relatively low, which is more suitable for corporate customers.
In addition to the basic asset certificate as an access condition, the bank's credit loan approval will also consider the borrower's credit information. Generally, historical repayment records (whether overdue), liabilities (whether relative liabilities are reasonable), historical loans (not too many small loans and online loans) and inquiry records (not too frequent in the near future) will be comprehensively considered.
Repayment ability: In addition to access conditions and credit information, we will also consider the customer's repayment ability, that is, the work situation, such as the quality of the work unit, the position of the unit, monthly income, civil servants are easier than ordinary units, and management is easier than ordinary employees. On the whole, applying for a loan requires certain assets proof, good credit record, stable work and repayment ability.
What are the purchase restriction policies in Hefei?
1. In the urban area (excluding four counties and one city, the same below), the sale of new commercial housing to households with two or more houses in the urban area will be suspended;
Hefei urban hukou is limited to 2 new houses, and second-hand houses are not limited.
2. Suspend the sale of newly-built commercial housing and existing housing to non-urban household registration families who have paid personal income tax or social insurance certificates for more than 1 year in urban areas within two years before the date of purchase;
Hefei non-urban hukou (including four counties, one city and foreign hukou, who pay social security monthly or pay taxes for one year within two years) is limited to 1 set, including new and second-hand houses.
Buying a house for the first time in Hefei generally requires a down payment of 30%;
If there is a 1 suite in downtown Hefei, you can buy a 1 suite for urban hukou. Under the premise of full payment or settlement of the first suite, the loan can be down paid by 40%, and the outstanding 50%;
If there are 1 suites in four counties and one city, 40% of the down payment can be made on the premise that the first suite is fully paid or settled, and 50% is not settled;
If there are two suites in four counties and one city, it has been settled 1 suite, but not settled 1 suite: the loan is not accepted, and the full amount can be repaid.
1 Full loan amount and 1 Loan situation: 40% can be settled and 50% is not settled.
Two sets of full payment: 30% down payment.
Two sets have been agreed: 60% down payment.
3. Loan restriction policy:
The minimum down payment ratio of urban households applying for commercial personal housing loans for the first time is adjusted to 30%; The resident family owns 1 house and has no record of house purchase loan (including loan records in different places, the same below); the resident family owns 1 house and the corresponding house purchase loan has been settled; the resident family has no house but has a record of 1 house purchase loan.
Apply for commercial personal housing loans to buy a house, the minimum down payment ratio is 40%; If a resident family owns 1 apartment and the corresponding housing loan has not been settled, the minimum down payment ratio is 50% in order to improve the living conditions and apply for a commercial personal housing loan to buy a house again.
Suspension of commercial personal housing loans to urban households with two or more houses, households with 1 house or non-urban households with accumulated personal income tax or social insurance certificates of 1 year or more in urban areas within two years before the date of purchase.
When employees who already own two houses under the family name buy a third house, they will stop issuing housing provident fund loans. Stop the "business-to-business" loan business. Stop issuing housing provident fund loans in different places.
For Hefei houseless households:
(1) Without loan: 30% down payment.
(2) 1 loan record, settled: down payment of 40%.
(3) 1 loan record. Outstanding situation: 50% down payment.
(4) Records of two or more loans, and settlement: 60% down payment.
(5) Two or more loan records, but not all settled: loan suspension.
For the suite of 1:
(1) No loan: 40% down payment.
(2) 1 loan record, settled: down payment of 40%.
(3) 1 loan record. Outstanding situation: 50% down payment.
(4) Records of two or more loans, and settlement: 60% down payment.
(5) Two or more loan records, but not all settled: loan suspension.
1 The amount of provident fund loans for suites and 2 suites is the same, and 3-suite loans and off-site provident fund loans are stopped.
Note to buyers: Families registered as collective households after 20 16 16/0/0, after one year, have the same housing qualification as urban registered households.
Extended data:
Conditions for foreigners to buy a house in Hefei:
1. If a foreign household registration wants to buy a house in Hefei's restricted area, it needs to have Hefei 1 year social security (inquiry) or 1 year tax payment certificate. At the same time, the minimum down payment for the first suite is 30% of the total purchase price, and the minimum down payment for the second suite is 60%.
If you buy a house in a non-restricted area, you can buy a house with a loan or pay in one lump sum. For details, please consult the real estate sales department in the non-restricted area.
2. The situation of foreign hukou buying a house in Hefei. Limited purchase areas and non-restricted purchase areas, new houses and second-hand houses, etc. Among them, the policies of purchasing houses from other places are different in the restricted purchase area and the non-restricted purchase area.
The restricted areas for purchasing houses in Hefei are: Luyang, Shushan, Baohe and Yaohai; The non-restricted areas for buying houses in Hefei are: Hi-tech, Economic Development, New Station and Lakeside.
3. Purchase materials: materials required for foreign residents to purchase houses in Hefei restricted area: tax payment or social security certificate for more than one year (including one year) (for inquiry), unmarried certificate/marriage certificate, and house ownership certificate (if there is no house, there is no house certificate).
The process and required documents for handling commercial loans, portfolio loans and provident fund loans are different. For details, please consult the loan bank or the staff of the provident fund management center and business department.
The specific measures for Hefei to settle down are:
1, reasonably relax the conditions for urban settlement.
People who have been legally and stably employed in cities and towns for two consecutive years and lived legally and stably (including leasing), who have participated in urban social insurance for 1 year according to state regulations, themselves and their spouses and minor children who live and work together can apply for registration of permanent residence at the place of employment. Rental housing, household registration in collective households.
2. Fully relax the settlement conditions of towns and counties (cities) under the jurisdiction of Chaohu City.
Persons who have legally stable residences (including leases) in the towns where the people's governments of Chaohu City, counties and counties (cities) are located, and their spouses, minor children and parents who live together may apply for registration of permanent residence locally. Rental housing, household registration in collective households.
3. Optimize the talent settlement policy.
High-level innovative and entrepreneurial talents, graduates or above, themselves and their spouses and minor children who live together can choose their own places to settle down directly.
Graduates from ordinary universities, vocational colleges, technical colleges and secondary vocational schools who are employed in Hefei, themselves and their spouses and minor children who live together, can apply for registration of permanent residence at the place of employment.
4. Solve the problem of professional and technical personnel settling down.
Those who are employed in Hefei have won the title of model workers and advanced workers at or above the county level, won the top three in sports competitions or vocational skills competitions at or above the municipal level, have intermediate or above professional qualifications or are in short supply of talents, and their spouses and minor children who live and work together can apply for registration of permanent residence at the place of employment.
5. Encourage investment entrepreneurs to settle down.
Invest in industry or start your own business in Hefei, have legal and stable office space, and pay taxes according to law. Investors and their spouses and minor children living together can apply for registration of permanent residence at the place of employment.
6 relax the migration conditions for couples to take refuge and minor children to take refuge in their parents' accounts.
Couples and minor children living in the same household can take refuge in the place where the household registration is located.
7. Parents transfer to their children's accounts.
Those who meet the policy of settlement in Hefei can obtain commercial housing through purchase, and can transfer their parents' accounts for their children in accordance with relevant regulations.
8. Properly solve the problem of permanent residence.
Citizens with unplanned children, counties (cities), districts and development zones shall not set their own preconditions; Other people who have not settled in the permanent residence can register their permanent residence after investigation and verification.