Bank loan threshold of Guiyang: 1. Applicant 18-60 years old. Second, you need to have a permanent residence in Guiyang and live there for a long time. Third, you need to open a personal settlement account in Guiyang Bank. Four, the applicant should have a legitimate occupation and a stable source of income, with the ability to repay on time. Five, the applicant has a good credit, no overdue and other bad credit records. Six, the applicant should be able to provide collateral approved by the bank. Seven, the loan is true and legal.
Meet the above conditions can apply for a loan in Guiyang Bank.
How to borrow a bank loan in Baiyun District of Guiyang?
According to the types of loans applied for, the procedures are as follows: 1, three guaranteed loans, and three operating economic entities are affiliated with their respective industrial and commercial certificates, guaranteeing each other and lending to banks; Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses; 2. Mortgage loan is based on real estate, that is, real estate (real estate) is used as collateral, and business enterprise (industrial and commercial license) is used as lender to apply for loan. Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report; 3. Second-hand housing mortgage loan is second-hand housing. You need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself. Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.
Can Guiyang provident fund loans from different places offset the down payment?
Guiyang provident fund loans from different places can offset the down payment, but certain conditions must be met. First of all, the lender must have a stable job and income in Guiyang; Secondly, the lender must meet the loan conditions stipulated by Guiyang Housing Provident Fund Management Center; Finally, the lender must provide relevant information, such as the purchase contract and loan application form.
How much is the annual interest of Guiyang Bank loan of 500,000 yuan?
Guiyang Bank took a loan of 500,000 yuan and chose a commercial loan. According to the repayment method of equal principal and interest, the interest paid is 1 1859 yuan. While the average capital is selected, the interest paid is 1 178 1 yuan. Guiyang Bank lends 500,000 yuan a year, and the commercial loan interest rate is 4.35%. Guiyang Bank Co., Ltd. was established on 1997 with a registered capital of 3.656 billion yuan, and its head office is located in Guiyang City, Guizhou Province.
What are the loan conditions of Guiyang provident fund? Satisfy these!
Many people who live and work in Guiyang, if they intend to live and work in the local area, the first consideration is the problem of buying a house, and they can try to apply for a loan with the provident fund. So what are the loan conditions of Guiyang provident fund? Just satisfy these.
I. Application conditions
1, with permanent residence in the administrative area of Guiyang;
2, continuous housing provident fund deposit 1 year or more;
3. Have full capacity for civil conduct;
4. Have a stable economic income and the ability to repay the loan principal and interest;
5. There are procurement contracts, agreements or other approval documents that meet the legal requirements;
6. Self-owned funds account for more than 20% of the total price of purchased houses (25% for second-hand houses);
7, with real estate mortgage, it shall meet the conditions of real estate mortgage management;
8, other conditions stipulated by the city housing provident fund management center.
Second, the application materials
1, Guiyang housing provident fund entrusted loan application form;
2. The original and photocopy of the borrower's household registration book and resident identity card (the original is for verification and the photocopy is for future reference, the same below);
3. Proof of the borrower's occupation and economic income issued by the borrower's unit;
4. The original and photocopy of the purchase contract, agreement or other approval documents that meet the legal requirements. To purchase ordinary commercial housing and affordable housing, you need to provide a copy of Guiyang Commercial Housing Pre-sale Permit and Guiyang Commercial Housing Pre-sale Contract Registration Form (the copy must be stamped with the official seal of the seller);
5. Original and photocopy of the down payment voucher for ordinary self-occupied houses with a total purchase price of more than 20%;
6. List of collateral or pledge, proof of ownership and proof that the person with the right to dispose agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;
7 other documents or materials required by the municipal provident fund management center.