Do you want to do business? Are you interested in investing? I only need you to invest 10 thousand, and the cooperative investment will soon be effective. Can we talk?
Let's see what others say.
2. I come from the countryside of Kunshan. My parents build their own houses and want to borrow 10W to do business. How can I get a loan?
It is difficult to borrow money from self-built houses, so we can only use commercial houses as collateral, because self-built houses cannot be circulated.
3. Where can I borrow a self-built mortgage loan?
1. Banks can apply for loans for building their own houses, such as Agricultural Bank, Industrial and Commercial Bank, China Construction Bank, China Bank, Postal Bank and so on. But not all self-built houses can apply for loans. For example, self-built houses in rural areas are self-built houses with small property rights, and no matter which bank can apply for loans. If you are building a house in the urban area and the nature of the land is commercial land, then you can apply for a self-built house loan at the bank. In addition, the regulations in each region are different. Please refer to the loan regulations of the local bank.
Second, how much can I borrow from a self-built house loan? Because our government has different policies in different places, the loan amount and interest of rural self-built houses are definitely different. However, from the overall loan situation, the loan amount of rural self-built houses is determined according to their respective operating conditions, income levels and credit degrees. Usually, the loan amount will not exceed 50% of the total funds for self-built houses, and the loan period of banks for this type of houses is generally controlled within 5 years.
Three, rural housing loan application conditions:
1. The house that the borrower applies for a loan to build must be approved by the local village and town construction department and conform to the local development plan.
2. The borrower shall provide the approval documents or certification materials of the rural construction department.
3. The borrower must have a proportion of its own funds not less than the specified amount, have a strong sense of credit, have a good credit standing, and have the ability to repay the loan principal and interest on schedule.
4. The borrower can provide individuals or units with sufficient compensatory capacity as loan guarantees, or use effective assets as collateral.
5. The borrower shall open a personal settlement account in the loan credit cooperative (department) and voluntarily accept credit supervision and settlement supervision.
6. When applying for self-built mortgage loan, there should be no bad credit record.
4. How to prepay the decoration loan of Rural Commercial Bank?
There are several ways to repay the decoration loan of the rural commercial bank in advance. The first method is that you can't find an account manager to explain the advance payment. Usually, they will arrange for someone to give you an advance payment. The second aspect is to call the staff of the rural commercial bank to ask for early repayment, and they will tell you the repayment method.