First of all, you need to have certain application conditions:
1。 Need to have a stable job and income
2。 Good credit record
These two are the most basic requirements.
Secondly, after meeting the application conditions, you need to provide some information:
1。 Proof of identity
2。 employment certificate
3。 profit and loss statement
4。 Address proof
You can go to banks and professional loan companies, but the application conditions and review process of banks will be much stricter and more complicated.
If you want to get a loan quickly, it is the best choice to go to a regular microfinance company, but you should prevent being cheated.
Usually, formal loan companies will not charge any fees before lending money.
If you decide to apply for a formal corporate loan.
You can come to Zhongan Xinye for consultation.
Zhongan Xinye is an enterprise that provides fast, simple, unsecured and unsecured small personal loan services for individual industrial and commercial households, small business owners and low-income families.
The company opened a branch in Jinan.
Address: B 10, Qilu International Building, quancheng road 180, Lixia District, Jinan.
-06
How much can Jinan provident fund 6000 loan?
The calculation basis of the loan amount of Jinan provident fund is the number of months, the deposit base and the annual interest rate of individual provident fund. Generally speaking, the amount of provident fund loans is directly proportional to the number of months and the deposit base, and inversely proportional to the annual interest rate.
Taking Jinan as an example, according to the Operating Rules for Housing Provident Fund Loans in Jinan issued on June 2019165438, the amount of provident fund loans is as follows:
1, with a maximum loan amount of 700,000 yuan;
2. Calculated according to the first suite, loan ratio:
-Deposit for 36 months or more, and the loan amount is calculated as (monthly deposit amount× loan term× loan interest rate) ÷10000;
-deposit 12 months to 36 months, and the loan amount is calculated as (monthly deposit amount × loan term × loan interest rate × 80%) ÷10000;
-If the deposit is less than 12 months, the loan will not be granted.
Among them, the upper limit of the deposit base is 15000 yuan/month. Suppose your provident fund deposit base is 6000 yuan/month, the deposit time is over 36 months, the loan term is 20 years, and the interest rate is 3.25%, then your maximum loan amount is about (6000 yuan ×240 months× 3.25%) ÷10000 ≈ 468,000 yuan.
It should be noted that the above is only a general calculation formula, and the actual loan amount needs to be calculated according to your personal situation. I suggest you go to the local housing provident fund management center or the relevant bank to consult and apply.
Conditions and requirements of Jinan provident fund loan
Legal subjectivity:
Jinan provident fund loan requires applicants to submit application materials to the central network. The borrower must be a natural person with full capacity for civil conduct. The borrower has a permanent residence or valid residence status in Jinan, a stable occupation and income, good credit and the ability to repay the principal and interest on time. On the question of "how to get a provident fund loan in Jinan", the following is a detailed answer from Bian Xiao. 1. How to borrow Jinan provident fund loan 1? To apply, the applicant shall submit the application materials to the central network. 2. Acceptance and preliminary examination of application materials. After examination, if the application materials are complete and conform to the statutory form, it is decided to accept it. If there are errors in the application materials that can be corrected on the spot, the person who has the right to correct them on the spot shall be allowed to correct them, and the corrector shall sign or seal the correction place and indicate the date of correction; If it is confirmed that the application materials are complete and conform to the statutory form, it shall be decided to accept it. 3, review/audit whether the submitted materials are complete and conform to the statutory form; Need to verify the materials, verify the relevant materials. 4, examination and approval, according to the audit situation, make a decision to complete or not. 5, after delivery, inform the individual housing provident fund loan application is successful, and issue a notice of business completion. 2. The loan condition of Jinan Provident Fund is 1, and the borrower is a natural person with full civil capacity; 2. The borrower has permanent residence or valid residence status in Jinan; 3. The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest on time; 4. The time requirement for the borrower to pay the housing provident fund is that the borrower has paid the housing provident fund in full for more than 6 months (inclusive) at the time of loan, and can apply for a personal housing provident fund loan. 5. The borrower has a legal purchase contract or agreement, and the borrower must be the property owner agreed in the purchase contract; The houses purchased are commercial housing, affordable housing, unit fund-raising housing, housing reform housing and second-hand housing in Jinan area; 6. The borrower has paid the purchase price not less than the down payment ratio stipulated by the policy; 7. The borrower agrees to use the purchased house or other real estate recognized by the management center as collateral, or use securities as pledge, or the fund-raising housing unit provides staged loan guarantee. An administrative institution that cannot provide guarantee shall sign an agreement with the management center and be responsible for withholding and remitting the loan principal and interest that the borrower should repay every month. Third, Jinan City Provident Fund Loan Law According to Article 26 of the Regulations on the Management of Housing Provident Funds, employees who have paid housing provident funds can apply for housing provident fund loans from the housing provident fund management center for the purchase, construction, renovation and overhaul of their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. The above is the answer to "How to borrow provident fund loans in Jinan". At present, the latest interest rate of provident fund loans to buy a house is divided into two grades, 3.25% for more than five years and 2.75% for less than five years. This interest rate level is already very low. If you have any questions or legal problems, please visit the website for consultation.
Legal objectivity:
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Interest rate of Jinan loan to buy a house
Jinan first home loan interest rate:
Provident fund loan interest rate:
Personal housing provident fund loans for less than five years (including five years) 2.75%
Personal housing provident fund loans for more than five years 3.25%
Bank loan interest rate:
Loans within six months (including six months) 4.35%
Loans from six months to one year (including 1 year) 4.35%
One to three years (including three years) loan 4.75%
3 to 5 years (including 5 years) loan 4.75%
Loans over five years are 4.90%.
This is the end of the introduction of Jinan personal loan, and Jinan personal loan company ranks. I wonder if you found the information you need from it?