The medium-and long-term working capital loan of Huzhou Bank refers to the medium-term loan with a term of 1 year to 3 years (inclusive) to meet customers' working capital needs (including working capital needs and temporary working capital needs).
Use:
Huzhou Bank's medium and long-term working capital loan is limited to the borrower's working capital demand.
Duration:
Huzhou Bank's medium and long-term working capital loan period is one to three years (inclusive).
Interest rate:
According to the loan interest rate of the People's Bank of China for the same period, the floating interest rate method is adopted in principle.
Application conditions:
1. Approved and registered by the State Administration for Industry and Commerce (or the competent authority) and passed the on-site annual inspection;
2. Independent accounting and sound financial management system;
3 funds in place and verified by accounting firms;
4. Holding a loan card issued by the People's Bank of China and passing the annual examination;
5. The business conforms to the business license and the scope specified in the business license.
Provide information:
1. Business license, business license (if any), organization code certificate, articles of association and loan card of the applicant and guarantor;
2. The original and photocopy of the identity certificate of the legal representative or his power of attorney and the identity certificate of the authorized agent;
3. The financial statements of the three years before applying for the loan and the monthly financial statements of the previous period;
4. List of mortgaged (pledged) goods, proof of property rights (original) and relevant documents proving that the person with the right to dispose of the mortgaged (pledged) goods or the guarantor is willing to provide guarantee;
5. Resolution of the board of directors agreeing to loan or guarantee (non-corporate enterprises can be exempted);
6. loan application;
7. Necessary transaction contracts or agreements.
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Second, the high-speed train from Anji to Lin' an?
From need to go through the following steps:
1. First, we need to find a station where we can take the high-speed train. Anji doesn't have high-speed railway station at present and needs to go to the nearest high-speed railway station.
2. The nearest high-speed railway station is Huzhou, high-speed railway station. You can take the G and D high-speed trains to Lin 'an.
3. After arriving in high-speed railway station, Huzhou, find the high-speed train to Lin 'an through the signs in the station or ask the staff.
4. Buying high-speed rail tickets at the ticket office and booking tickets in advance can save time and cost.
5. After leaving the station, go to the high-speed rail platform according to the station instructions, find your own car according to the train number and seat number, and get on the bus on time within the specified time.
6. Enjoy a fast and comfortable high-speed rail trip and get off at the terminal Lin 'an.
To sum up, I need to go to high-speed railway station and Huzhou, buy a high-speed rail ticket, get on the bus on time and get off at Lin 'an. Need to inquire and plan in advance to ensure a smooth trip.
3. What is the amount of the second home loan of Huzhou Bank?
The loan amount for the second home of Huzhou Bank cannot be higher than 40% of the total price of the purchased property, that is, 1 10,000 yuan. The minimum down payment is 600,000 yuan and the loan amount is 400,000 yuan. Huzhou Bank's criteria for identifying the second suite:
1. If the loan applicant has a house in the name of his parents, he will buy another one in the name of minor children.
2. The loan applicant has a real estate under his name when he is a minor, and then borrows money to buy a house when he is an adult.
3. The loan applicant has a house bought in full under his personal name, and then borrows money to buy a house.
4. If the loan applicant has a house bought with a loan under his personal name, pay off the loan first, sell it and then borrow to buy a house.
5. Buy a house for the first time with a commercial loan, and buy a house again with a provident fund loan.
6. Before marriage, one party borrowed money to buy a house, and after marriage, he applied for a loan to buy a house in the name of the other party, but their accounts were not together.
7. After marriage, both parties borrow money to buy a house, and after divorce, one party applies for a loan to buy a house.
4. How does Huzhou Bank borrow money?
Identification method of the first set of provident fund loans:
1. The number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children).
Second, for families who have used bank loans to buy the first set of self-occupied housing, and their per capita housing area is lower than the local average level, if they apply for housing loans from commercial banks again, they can implement the first set of self-occupied housing loan policy, but the borrower should provide the query results of the local real estate management department on the total housing area of the family based on the housing registration information system. The average level of local per capita housing is based on the data released by the statistics department last year. Others are implemented according to the second home loan.
Three, families have used housing provident fund loans to buy housing, and apply for housing loans from commercial banks again, according to the provisions of the preceding paragraph.
Four, commercial banks should earnestly fulfill the obligation to inform, require borrowers to submit proof materials such as real estate, income, household registration, tax payment, etc. according to the principle of good faith. All commercial banks shall not accept their credit applications if they find that they have filled in false information or provided false certificates. Commercial banks shall not accept false income certificates issued by verified units.