1.2 million. Under normal circumstances, the single maximum amount of Beijing housing provident fund loan is 6.5438+0.2 million yuan.
Under the premise of ensuring the withdrawal of paid employees, the housing provident fund will give priority to meeting the loan demand for purchasing the first set of self-occupied housing. From 20 15, 65438+ 10, 1, the loan applicant purchases policy-oriented housing or the first set of self-occupied housing with a construction area of less than 90 square meters, and the maximum loan amount is adjusted to 1.2 million yuan. If you buy a non-policy house or a second house with a construction area of over 90 square meters, the maximum loan amount is still 800,000 yuan.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
1. The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
5. Housing accumulation fund is a personal housing savings fund specially used for housing consumption expenditure stored by employees according to regulations, which has two characteristics.
What do you need for corporate loans?
What are the requirements for corporate loans?
The so-called operating loan is a loan issued by a bank to an enterprise as a legal person for operating the company's working capital. The service targets are mainly small and medium-sized enterprises that temporarily fail to meet the bank loan access standards due to factors such as irregular financial management and substandard credit rating, but are in good operating condition. 1. Enterprise loan conditions (1) The borrower has a fixed residence, permanent residence or valid residence certificate. (2) It has full capacity for civil conduct and is the legal person or the largest shareholder of the enterprise using the loan. (3) Having a valid business license and legal person code certificate, the enterprise has no bad credit record, operates according to law, pays taxes according to law, and has a good performance. (4) Personal property with high economic income and sufficient value has the ability to repay the loan principal and interest on schedule. (5) Having no bad credit and debt records, and being able to provide mortgage, pledge or guarantee recognized by the bank. (6) Other conditions stipulated by the bank. 2. The borrower shall provide commercial loan information (1). Identity card, household registration book and marriage certificate of the borrower and spouse (if single, unmarried certificate shall be issued at the Civil Affairs Bureau). (2) proof of assets (such as real estate, cars, etc.). (3) Proof of repayment ability such as personal or family income and property status. (4) Business license, tax registration certificate, organization code certificate, articles of association, etc. (5) Financial statements and tax returns for the last six months. (6) Other information required by the bank. 3. The maximum loan amount of an enterprise is 70% of the appraised value of loanable assets. 4. The term of enterprise loan stipulated by the bank is 1~3 years. The enterprise loan interest rate is now the bank loan interest rate stipulated by the bank. 6. Repayment method of the enterprise (1) If the loan term is within 1 year (inclusive), the repayment method of paying interest on a monthly or quarterly basis or repaying the principal once due can be adopted. (2) If the loan term exceeds 65,438+0 years, you can choose to repay the principal and interest monthly or according to the average capital. 7. Enterprise loan process (1) The borrower brings relevant information to the bank to apply for a loan. (2) The bank conducts pre-loan investigation and evaluation, investigates the borrower's credit rating and the legality, safety and profitability of the loan, verifies the collateral and guarantor, and forms an evaluation opinion. (3) With the approval of the internal review of the bank, both parties reach an agreement on the terms of the loan contract, mortgage contract and guarantee contract, and the parties sign the contract. (4) The Borrower handles the mortgage registration and other relevant procedures agreed in this Contract. (5) After the mortgage registration is completed, the relevant information will be handed over to the bank for lending.
What application materials should be provided for enterprise loans?
Hello, I need the following information.
I. Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
Second, personal data.
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
Specifically, you can use Baidu Henan Yi Rong loan.
What's the difference between corporate loans and corporate loans?
The differences between corporate loans and corporate loans are as follows
1. Different loan subjects: corporate loans are generally made in the name of individuals, and three forms can be selected: personal consumption loans, personal business loans and corporate business loans. The first two loan forms are legal persons themselves; Enterprise loans are loans issued in the name of enterprises. Although the consent of the company legal person is needed, and sometimes even the legal person is needed as the loan representative, the main body of the loan is always the enterprise.
2. Loans have different uses: corporate loans can be used for personal consumption or business operations, and can also be used for business operations; Enterprise loans are used for enterprise management, including liquidity replenishment, project loans and enterprise expansion and development.
3. The loan amount, term and interest rate are different: this is mainly because enterprise loans can be applied in various forms, so when they are equivalent to enterprise loans, the loan amount, term and interest rate are different.
The above is the difference between corporate loans and corporate loans. If you happen to be an enterprise legal person of a company, you can choose the loan method according to your loan demand. An enterprise as a legal person is more of an identity, which can provide proof of repayment ability for your personal loan, increase your loan amount and lower the interest rate. However, an enterprise loan is a business loan with the enterprise as the main body, and it needs to be approved by a resolution of the board of directors of the company.
About the legal representative of the company's loan responsibility 40 points.
The legal representative of the company signs a contract on behalf of the company and promises to perform certain obligations, which should be borne by his company, not by individuals.
Therefore, the loan of the enterprise is repaid by the enterprise. The legal representative of the enterprise is not personally liable for repayment. Of course, the premise is that the enterprise has no illegal acts such as false capital contribution, withdrawing funds and transferring assets. And the legal representative has not made personal guarantee, otherwise the shareholders or legal representative of the enterprise may have to bear corresponding responsibilities.
What responsibility should the legal person bear if the enterprise can't repay the bank loan?
1. First, classify enterprises. It is a limited liability company, a sole proprietorship company, a partnership or others. Because different companies are different. It is far from the point where banks can apply for bankruptcy liquidation of enterprises. Some bear unlimited joint liability, which can be traced directly to the personal property of shareholders, while others bear all risks only with all your shares in the company. 2. See if there is mortgage, pledge, guarantor, etc. The general way is to apply to the bank for auction of collateral (generally real estate, few movable property, and the mortgage patent right seems to be only done by Beijing guarantee company at present), and the excess money goes to the reduction enterprise. Because it is generally carried out according to 50%~70% of the valuation (villas, industries are generally 50%, businesses are 60%, houses are 70%, and shops facing the street seem to be 60%, I don't remember clearly), so the auction money is generally redundant. If the enterprise applies for bankruptcy by itself, your company has the priority to be compensated for the property originally pledged to your company. 3. Do you mean a legal person or a legal representative in a broad sense? Above. There should be many shortcomings.
The company borrowed money in the name of users, and now the legal person wants to resign.
Hello, according to the information you provided, I give the following answer.
1. Please confirm whether the company you mentioned is a limited liability company. If so, please continue reading.
2. Legal person and legal representative are two different concepts. You are only the legal representative of the company, and you just do some actions on behalf of the company. Company law talents are the main body of responsibility. So in the company's liabilities, if there are no other special circumstances, you don't need to be responsible for the company's liabilities.
As you used to be the legal representative of a heavily indebted company, it is inevitable that you will be prevented from lending to the bank in the future unless you pay off your debts.
What does the list of enterprise family property that enterprise loans need to provide include?
Fixed assets should also be looked at, and others, such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc. ), are the property of legal persons.
What materials do enterprises need to prepare for buying a house with a loan?
Materials to be prepared for mortgage to buy a house loan:
1. Original and photocopy of ID cards of the borrower and spouse;
2. The original and photocopy of the borrower's husband and wife residence booklet;
3. Proof of marital status;
4. The original purchase agreement;
5. Original and photocopy of advance payment receipt for 30% or more of the house price;
6. Business license, tax registration certificate, organization code certificate, articles of association and financial statements;
7. Bank flow;
8. Certificate of academic qualifications; 9. Bank deposit certificate;
10, other financial certificates;
1 1, the collection account number of the developer;
12, other materials specified by the bank.
What are the requirements for company loans? How much can I borrow?
Have full capacity for civil conduct and be under 50 years of age. 2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce. 3 engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. 4. Good credit standing, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by Industrial Bank. You may need to provide collateral, a house or a car, and calculate the interest on how much you used from the time you used it! If the loan money is not withdrawn from the bank, then the interest will not be calculated. The maximum amount of new small secured loans granted by financial institutions to individuals will be raised from 20,000 yuan to 50,000 yuan. 1. Housing mortgage loans and employment-oriented loans 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Provide information: husband and wife ID card, household registration book, marriage certificate and income certificate; Property certificate of mortgaged house (such as the original purchase contract provided by the house property). 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Types of mortgaged properties: commercial houses, houses, affordable houses, apartments, villas, shops, office buildings and shops. 5. Specific process: receiving customer information (collecting deposit) → home visit and evaluation → determining the loan amount → reporting to the bank → signing a contract with the bank → approval → mortgage registration → customers collecting money from our company. Loan term: mortgage loan 1-30 years. 7. Completion date of real estate: the real estate can be handled after 78 years. 8. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. Ii. loan of the same name 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Information provided: ID card of borrower and spouse (including ID card, passport, military officer's card, travel permit to and from Chinese mainland, Taiwanese certificate), marriage certificate of borrower and spouse (marriage certificate for married, divorce certificate or divorce judgment for divorced, death certificate for widowed), temporary residence permit for the borrower who is a foreigner, and balance certificate of the lender with property right mortgage (. Please provide the following materials as far as possible if you can, or if you can't. Credit certification materials of the borrower (including automobile driving license, real estate license, passbook, deposit certificate, equity investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.). ); You don't have to provide it, but it is helpful for approval. 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. 5. Specific process: receiving customer information (collecting deposit) → visiting and evaluating at home → setting the loan amount → reporting to the bank → signing a contract at the bank → approving → repayment and mortgage issuance → doing mortgage registration → customers paying fees at our company → lending money. 6. Loan term: the loan term has been borrowed from other banks, and now you are applying for a house with a loan term of ≤30 years. Repayment method: average capital (decreasing), matching principal and interest, paying interest on schedule, and repaying principal when due (only applicable to loans with a loan term of less than one year and a loan amount of less than 500,000 yuan). Second-hand housing mortgage loan and second-hand housing mortgage loan 1. Information required by the borrower (buyer): Second-hand housing sales contract or agreement, borrower's and spouse's ID cards (including ID card, passport, military officer's card, travel permit to and from the mainland, and Taiwan compatriot's card). The borrower's marriage certificate (marriage certificate for married people, divorce certificate or divorce judgment for divorced people, and death certificate for widowed people) is required to provide affordable housing within the validity period. ......
What is the specific process for enterprises to borrow money from banks?
The original business license, the original national tax registration certificate, the original organization code certificate, the articles of association, the latest capital verification report, the account opening permit issued by the People's Bank of China, the credit card issued by the People's Bank of China, the identity certificates of the company's main members and directors holding more than the company's shares, the bank statement for six months, the company's financial certificates for the last six months, such as the VAT tax report, the balance sheet and income statement for the last three years and the last month, all need to be prepared. otherwise
Do you know how much it costs to borrow money to buy a house in Beijing?
Many friends in Beijing may want to buy a house through loans for various reasons, but do you know what fees need to be paid for buying a house through loans? Next, let's introduce what fees need to be paid for buying a house by loan in Beijing.
Buying a house by loan in Beijing mainly involves three categories: assessment fee, mortgage registration fee and insurance fee. Let's introduce these three categories in detail.
The appraisal fee should be familiar to everyone. If you buy a house through a provident fund loan, you need an appraisal fee. Generally speaking, if we borrow money from commercial housing, we don't need appraisal fees. So let's learn more about the appraisal fee.
(1) Evaluation fee
1, provident fund loan
If the house you buy is a commercial house or a residence, you need to evaluate the collateral. The Beijing Municipal Price Bureau has issued two documents, 1996 and 1997, which require the implementation of the charging standards stipulated by the State Planning Commission and the Ministry of Construction: the total house price is less than 1 10,000 yuan (including 1 10,000 yuan), and it is charged at 5‰ of the total house price; 1000000 yuan-1000000 yuan, according to the total house price of 2. 5 per thousand charge; The minimum charge for the assessment fee is 300 yuan. Because the evaluation of Beijing provident fund loans is still a monopoly, the state stipulates that the evaluation fee can be lowered by 20%, because without competition, buyers still cannot benefit. The purchased house is economical and does not need to be evaluated unless the institution thinks it is necessary; The purchased house can be sold by the unit, sold by the housing management office and settled down. However, the house purchaser or the house management office must provide a copy of the housing reform plan, the plan approval and the big property right (or ownership certificate).
2. Commercial loans
According to the regulations of China Construction Bank, newly-built commercial housing, ordinary housing and housing reform housing do not need to pay assessment fees. Need to assess, according to the 500 yuan charge. China Industrial and Commercial Bank stipulates that the sales prices of ordinary commercial houses and affordable housing are not appraised, but second-hand houses, high-grade apartments and villas need to be appraised. The Agricultural Bank stipulates that the appraisal fee for second-hand houses shall be charged at 4‰.
Remind that commercial housing loans to provident fund housing loans and provident fund loans are the same.
(2) Mortgage registration fee
The mortgage registration department (the ownership department of the housing and land management departments in all districts and counties) will charge the mortgage registration fee, and the charging standard is 80 yuan. Lenders who buy houses can only apply for mortgage registration after obtaining the real estate license.
(3) Insurance premium
Insurance premium is the most expensive loan fee. Generally speaking, the loan bank requires the mortgage lender to apply for mortgage property insurance (also known as home insurance) or loan credit insurance (also known as personal insurance) in its recognized insurance company, and makes it clear that the loan bank is the first beneficiary of the insurance. At the same time, it requires that the insurance period should not be shorter than the loan period, and the insured amount should not be lower than the total loan principal and interest, and the insurance expenses should be borne by the mortgage lender. During the mortgage period, the insurance policy shall be kept by the lending bank. During the execution of the loan contract, the housing lender may not interrupt or cancel the insurance for any reason, but may refund the corresponding insurance premium according to the change of the advance period, otherwise the lending bank has the right to insure on its behalf, and the insurance premium will still be borne by the housing lender. However, the lender who buys a house does not have to buy house insurance and personal insurance when lending.
1, provident fund loan
According to the Regulations on Housing Provident Fund Management 1999 promulgated by the State Council in April, "the risk of housing provident fund loans shall be borne by the housing provident fund management center". No matter what form of protection is taken, property buyers are not allowed to buy insurance. According to the document of Beijing Housing Fund Management Center in June 19991KLOC-0/9, buyers still need to buy personal insurance when using provident fund loans. However, this document also stipulates that after the mortgage registration is completed or the loan is paid off, the insurance company can go through the formalities of surrender after deducting the handling fee, that is, refund the personal insurance premium after the mortgage registration is completed or the loan is paid off. In May, 2000, Beijing's housing insurance was changed to voluntary purchase (unless the institution thinks it is necessary).
2. Commercial loans
If real estate mortgage guarantee is adopted, that is, real estate mortgage guarantee plus comprehensive insurance for house purchase: it is necessary to purchase comprehensive insurance for house purchase (individual house purchase insurance); If real estate mortgage and joint liability guarantee are adopted, home insurance is needed. If property pledge or joint liability guarantee is adopted, insurance may not be purchased.
After introduction, you should understand how much it costs to buy a house with a loan in Beijing. The loan to buy a house is not only to repay the loan interest, but also to bear some other expenses. Therefore, if you want to borrow money to buy a house in Beijing, you must remember to know some other expenses that need to be paid in advance.
Can the provident fund of Beijing Unified Construction System Co., Ltd. borrow money to buy a house?
Beijing Unified Construction System Co., Ltd., provident fund is not allowed to borrow money to buy a house, because Beijing Unified Construction System Co., Ltd. is not a state-owned enterprise, nor a state-owned enterprise or a private enterprise, and cannot use provident fund loans to buy a house. Therefore, Beijing Tongjian System Co., Ltd. cannot borrow money to buy a house.
What is the commercial loan process for buying a new house in Beijing?
Buying a new house with a commercial loan is a relatively simple process. Property buyers basically submit loan application materials to bank staff or agents at the sales office, including ID cards, household registration books, income certificates, bank running water, etc. After receiving the loan application, the bank will review the applicant's information and qualifications, and if it passes the examination, it will sign a loan contract and issue loans.
1. What materials should I prepare to apply for a commercial loan?
Because the new house commercial loan face-to-face signing and application location, most of them are in the sales office. Therefore, when applying for a commercial loan, you need to bring the prepared materials to the sales office on the day of signing the contract and hand them over to the bank staff or the staff of the agency company. The materials to be prepared are as follows:
Different borrowers need to prepare slightly different materials.
Note: Family bank running water can be appropriately distinguished from income certificate, and bonus and other contents can be covered in income. Second, what is the process of commercial loans?
Submit loan information-loan qualification examination-sign loan contract-issue loan.
1. Submit loan information
Generally speaking, developers will have one or more designated cooperative loan banks, and you can choose one of them to handle housing loans. Bring the required materials and give them to the bank staff.
2. Loan qualification examination
The bank examines the lender's loan qualification, including the authenticity of personal information, age, personal credit history, income, etc. Among them, in terms of the age of applicants, many banks over 65 no longer accept loan applications. In personal credit records, banks refused to lend three to six times overdue, and individuals refused to lend in two or more banks in Beijing.
The income needs to reach twice the monthly payment of the loan application, and it is required to cover all liabilities under the personal name, including car loans. Generally, banks will require applicants to provide details of bank flow in the past six months to prove their income ability.
Proof of income is very important, so you must keep in mind the above precautions.
After receiving the loan applicant's materials, the bank will review the loan applicant. General commercial loans take 7- 10 working days (the specific review time is subject to each bank).
3. Sign a loan contract
After the bank is approved, it will sign a formal loan contract with the applicant. In practice, the borrower will sign the loan contract when submitting the materials, but the bank will only stamp the contract after approval.
Step 4 lend money
After the bank completes the loan process internally, the loan will be directly distributed to the developer, and the applicant needs to repay the loan to the bank every month. It should be noted that if the applicant purchases an auction house, the bank will issue the loan only after the auction house is capped.
3. What is the interest rate of commercial loans?
The bank loan interest rate is implemented according to the interest rate issued by the central bank. At present, the interest rate of commercial loans over five years is 4.9%. However, some banks will also have preferential interest rates, and the specific interest rates need to be consulted.
To buy a new house, the process of commercial loan is relatively simple. As long as the applicant prepares the face-to-face information of the commercial loan, other steps are basically not required to be handled by himself, and the agent of the developer or agency will help you.
This content is only applicable to Beijing.
Beijing company housing loan interest rate
The interest rates are as follows:
1. The annual interest rate of short-term loans (within 1 year and 1 year) is 4.35%.
2. Medium and long-term loans.
The annual interest rate of (1) 1-5 years (including 5 years) is 4.75%. (2) The annual interest rate over five years is 4.90%.
3. Personal housing provident fund loans.
(1) The annual interest rate for less than 5 years (including 5 years) is 2.75%.
(2) The annual interest rate over five years is 3.25%.
The introduction of Beijing company's housing loan ends here.