Self-employed individuals, residents (except civil servants), small business owners and farmers who have a fixed residence in Huzhou and provide valid residence certificates, and are at the age of 18-65 and have full capacity for civil conduct. Huzhou Yongxin Company was established in 2009- 1 1-02, and its business scope covers various consulting services such as small business development, management and finance. The loan conditions are that they have a fixed residence in Huzhou, provide valid proof of residence, are self-employed households and residents (except civil servants) aged 18-65 with full capacity for civil conduct. Huzhou is located in the north of Zhejiang, at the junction of Zhejiang, Jiangsu and Anhui provinces, with Jiaxing in the east, Hangzhou in the south, Xuancheng in Anhui in the west, Taihu Lake in the north, and Wuxi and Suzhou in Jiangsu across the lake.
How much can Huzhou provident fund loan borrow?
Huzhou provident fund loan ceiling is up to 700,000.
The loan amount must meet the following requirements at the same time, that is, take the lowest value:
1. shall not be higher than the loanable amount calculated according to the new calculation formula. Average monthly balance of housing provident fund account of borrower and spouse × multiple (multiple is currently determined by 10).
Newly-employed university graduates and imported talents who use housing provident fund personal housing loans for the first time can enjoy the preferential policy of increasing the maximum loan amount by 30% on the basis of the loan amount calculated according to the new calculation formula.
If an employee's family uses the housing provident fund personal housing loan for the first time, if the loan amount of a single employee's family is less than 65438+ 10,000 yuan, it will be determined by 65438+ 10,000 yuan; If the loan amount of dual-employee family is less than 200,000 yuan, it will be determined by 200,000 yuan.
Two, shall not be higher than the prescribed proportion of the total purchase price.
When purchasing commercial housing, the employee's family will use the housing provident fund loan for the first time to purchase self-occupied housing, and the down payment ratio will be 20%.
If the paid workers' families use the housing provident fund loan to buy improved self-occupied housing again, the down payment ratio is 20% for those who own 1 house and have settled the corresponding housing loan;
For those who own 1 house and have not settled the commercial personal housing loan, the down payment ratio is 30%.
Households with paid employees use housing provident fund loans to buy second-hand houses with a house age of more than 5 years, and the down payment ratio of loans will be increased by 10% on the basis of the above policies.
The purchase of resettlement houses shall not be higher than the prescribed housing exchange ratio to make up for the difference.
The purchase of second-hand houses shall not be higher than the prescribed proportion of tax payable, contract price or market evaluation price.
Newly built, rebuilt or overhauled housing shall not be higher than 50% of the actual cost of newly built, rebuilt or overhauled housing, and shall not be higher than the highest market price confirmed by the center.
Three, shall not be higher than the maximum limit and cumulative limit of a single loan.
The maximum loan amount for a single employee to a family is 400 thousand yuan, and the maximum loan amount for a double employee to a family is 500 thousand yuan;
Newly-employed college students and imported talents use housing provident fund personal housing loans for the first time, and enjoy the preferential policy of increasing the loan amount by 30%. The maximum loan amount for single employee families does not exceed 480,000 yuan, and the maximum loan amount for dual employees does not exceed 600,000 yuan;
The accumulated loanable amount of a single employee's family deposit does not exceed 550,000 yuan, and the accumulated loanable amount of a dual employee's family deposit does not exceed 700,000 yuan.
4. The calculated monthly repayment amount should be controlled within 60% (inclusive) of the monthly income.
Where is the Huzhou enterprise loan? Try these methods.
In 2020, many small and medium-sized enterprises in Huzhou are affected by the epidemic and have difficulties, so they can only get financial support through loans. However, enterprises need to find suitable loan channels because of their high loan amount, high risk and difficult application. So, where can Huzhou enterprises get loans? Let's have a look.
It is understood that there are still many loan application channels for Huzhou enterprises, but the requirements for enterprises are different. If an enterprise has a tax payment certificate for two consecutive years and is currently paying taxes, it can apply for a loan according to the tax payment information. As long as the enterprise's qualification is up to standard, it can obtain loan funds without mortgage guarantee. There are two common loan products.
1, micro loan:
Weizhong Bank's tax loan products have a maximum amount of 3 million yuan and a maximum loan period of 3 years, which requires tax payment. You can follow the official account of "Weizhong Bank Corporate Finance" on WeChat, click on Loan/Withdrawal and submit the application online.
The enterprise is required to have been in business for two years, have more than two years' business data, and the tax payment level is A/B/C/M. The tax payment in any year in the last two years cannot be zero, and the tax payment in the last six months must be paid in good faith. The applicant must be an enterprise, and the self-employed cannot handle it. Note that not all regions can exhibit, but Huzhou can apply within the scope of exhibition.
2. Corporate tax loans
In other words, with the support of the tax bureau, banks in Huzhou provide full-line, pure-credit enterprise working capital loans for small and medium-sized enterprises in Huzhou. It's a tax-fixed loan product, and it doesn't need to provide qualification materials, which saves the time for outlets to run around. As long as they pay taxes in good faith and have good credit, they can borrow money.
For example, Huzhou Bank Tax Credit Easy Loan is such a product, which can directly complete the whole process of loan through mobile phone. For specific conditions and requirements, please consult the customer service of Huzhou Bank.
Loan Conditions of Huzhou Xing Wu Rural Commercial Bank
The loan terms of Huzhou Xing Wu Rural Commercial Bank are as follows:
1. The lender must be between 18 and 65 years old, have full capacity for civil conduct, have good personal credit, have no bad records and legally use the loan;
2. The lender has a stable job and income, and has the ability to repay the principal and interest on time. The sum of the lender's loan term and the lender's actual age cannot exceed 70 years old;
3. The lender's loan bank has a fixed residence.
Where can I get a loan in Huzhou Zhili?
China Construction Bank Huzhou Zhili Sub-branch. China Construction Bank Huzhou Zhili Sub-branch is located in Xing Wu Avenue, Zhili Town, Huzhou City. It is a formal company that can provide loan business. China Construction Bank was established in June 1954+ 10/0/. Is a joint-stock commercial bank, one of the top five state-owned commercial banks.
Can Huzhou Bank borrow money to buy a house?
Hello, you can buy a house with a loan from Huzhou Bank.
Loan amount: no more than 50% of the value of the purchased commercial house, no more than 10 years (the loan term is the borrower's age) ≤ legal retirement age.
Two, Huzhou Bank commercial housing loan application conditions
Living alone in Huzhou requires a long-term residence certificate, preferably a real estate, and provides relevant certificates.
2. Have a stable occupation and income, need to inquire about credit information, and require that the credit is not overdue or in default, and have the ability to repay the principal and interest of the loan.
The commercial housing purchased by loan is an existing house, which has a good development prospect.
Sign a contract with the developer to purchase commercial housing;
5. Hold the down payment certificate of commercial housing according to the specified proportion.
6. Open a personal settlement account in Huzhou Bank.
7. The loan guarantee is guaranteed by the purchased commercial house (with a third party guarantee if necessary).
8. Other conditions stipulated by the lender.