Submit written documents, open a current account, etc. The process of rural commercial bank housing loan is: the borrower needs to submit written documents to the housing management department to apply for housing mortgage loan, and the real estate appraisal agency will review the application materials submitted by the applicant. After the borrower submits the written documents, the property (collateral) is used as the pledge to handle the title certificate, which is handed over to the lender to open a current deposit account in the bank. The lender shall go through relevant formalities at the entrusting bank, and the applicant shall provide materials at the entrusting bank to go through corresponding loan formalities. When a borrower applies for a real estate mortgage loan, it needs to submit a written document to the housing management department, and send its information to the company or law firm to sign a loan contract.
What is the loan interest rate of Guangxi Credit Cooperative?
Guangxi credit cooperative loan interest rate
Short-term loans within 6 months (inclusive) have an annual interest rate of 5.6%.
Medium-term loans from 6 months to 1 year (inclusive), with an annual interest rate of 6.00%.
For medium-term loans of one year to three years (inclusive), the annualized interest rate is 6. 15%.
For medium-term loans of three to five years (inclusive), the annualized interest rate is 6.40%.
Long-term loans for more than five years, with annualized interest rate of 6.55%.
Can Guangxi use off-site provident fund loans to buy a house?
Of course. As early as last June, Guangxi proposed to implement off-site loans in the Beibu Gulf Economic Zone. Paid employees who purchase houses in Beibu Gulf Economic Zone are regarded as the same city, and apply for personal loans of housing provident fund according to the policy of the same city. But now, Guangxi has implemented the national provident fund loan policy in different places. Legal basis: Regulations on the Management of Housing Provident Fund Article 5 The housing provident fund shall be used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes. Thirteenth housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.
What are the application conditions of Guangxi provident fund loan?
What are the application conditions of Guangxi provident fund loan?
1. The applicant must continuously and normally deposit the housing provident fund for more than 6 months (inclusive), and the individual housing provident fund account is in a normal deposit state, and keep the deposit balance for not less than 6 months (6 times of the deposit amount in the current month). The form of overdue payment and one-time payment is not regarded as continuous deposit.
2 have a stable economic income and the ability to repay the principal and interest of the loan on time, and have full capacity for civil conduct. Usually, the average monthly income of the applicant (and his spouse) should be greater than or equal to twice the monthly repayment amount.
3. The purchase, construction, renovation and overhaul of self-owned houses within the corresponding period, and the purpose of the houses is residential (except villas), shall be determined according to the purchase contract or the certificate of immovable property rights.
4. The applicant and his spouse have no bad credit records in the housing provident fund management center and the bank credit information system within two years.
5. Employees' family members (including applicants, spouses and minor children, the same below) housing units and housing provident fund loan units meet the conditions of "recognizing housing and recognizing loans". "Recognition of housing" refers to the number of housing units in Taizhou, and "recognition of loans" refers to the number of housing provident fund loans (including personal credit reports or deposit certificates and other housing provident fund loan records).
6, housing provident fund management center recognized as collateral housing.
7. Those who have applied for commercial individual housing loans to housing provident fund loans shall meet the conditions and relevant requirements of housing provident fund loans.
8. A down payment of not less than a certain percentage has been paid. If employees need to apply for portfolio loans at the same time, the down payment ratio of the provident fund center and the bank shall prevail.
What conditions do Guangxi rural credit cooperatives need for a loan of 10 thousand mortgage?
The loan requirements of rural credit cooperatives 10000 yuan are as follows:
1, 18 years of age or older, with full capacity for civil conduct, and the sum of the borrower's age and the loan term does not exceed 60 years, that is, the borrower must be an adult and have repayment ability;
2. Have the ability to work and be the head of the family or the main family member;
3. Have a permanent residence or long-term residence certificate of a rural credit cooperative and a fixed residence. Finding a borrower without a fixed address is risky;
4. Have a legal and stable income and the ability to repay loans on time;
5. The borrower and his family members have no bad credit records;
6. Open a personal settlement account in rural credit cooperatives, and the main settlement business is handled through rural credit cooperatives;
7, its own funds reached more than 30% of the total demand for funds;
8. Meet the relevant requirements for rating and credit granting of rural credit cooperatives;
9, other conditions stipulated by the rural credit cooperatives.
The loan is 65,438+00,000 yuan, and the annual interest is 65,438+0 according to the loan interest rate. For example, if the annual interest rate is 10%, the annual interest rate is100010% =1000 yuan, which is generally small. That is to say, if a month's loan is 1 10,000, the interest will be 89.6 yuan, that is, 89.6 times 12 months is 1075.2 yuan.
The loan procedure is as follows:
1, loan application, the borrower applies for a loan from the local bank;
2. Credit rating evaluation: the bank evaluates the credit rating of the borrower;
3. Loan investigation: banks investigate the legitimacy, safety and profitability of borrowers;
4, loan approval, bank loan approval according to the loan management system of loan separation and grading approval;
5. Sign a contract, and the bank signs a loan contract with the borrower;
6. Loan issuance: the bank issues loans on schedule according to the loan contract;
7. Post-loan inspection: the bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation;
8. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.
Guangxi loan term
As of May 2022, the deadline of Guangxi Student Loan 10 cannot be determined, and the acceptance time of Guangxi Student Loan 202 1 is from July 26th to September 30th.
Guangxi students' source credit student loans are implemented in the mode of "appointment processing" for the first loan application and "online processing" for the renewal loan application.
If freshmen in Guangxi want to apply for a student-sponsored loan, they can make an appointment by calling the student financial assistance management department where their household registration is located. After preparing the loan materials, he can make an appointment once a day and go to the site to complete it at one time.
If you are a registered college student in Guangxi and apply for loan renewal, you can log in to the student loan system to fill in the relevant loan renewal information under the guidance of the county student financial assistance management department, and scan the face recognition function through the third-party payment platform, so you can apply for student loans well without going to the county student financial assistance management department.
The above is the relevant content of the deadline for student loans in Guangxi in 2022.