It has become the mainstream of the loan industry. Simple and convenient, there will be no great repayment pressure. Students, white-collar workers and wage earners will regard it as an indispensable artifact. Then, how much can I borrow my personal ID card? At present, many products on the market have different quotas, and the quotas also change according to the qualifications of the applicants. Let's look at the specific amount.
Quota: ranging from several hundred to tens of thousands.
Amount: 500-5000 yuan.
Borrowers can borrow money here as long as they have an ID card and a Taobao account number. The term is divided into three types: 30 days, 60 days and 90 days.
Amount: up to 5000 yuan.
Accompanying loan is a product jointly launched by Shanghai 2345 Hailong Finance and BOC Consumer Finance, and cash can be processed with ID card. You can apply for a loan by downloading the random loan app, and you can get the cash in 2 minutes and lend it directly to the bound bank card.
Quota: as low as 1000, as high as tens of thousands.
You can apply for a loan as long as you verify it with your ID card. With ID card and bank debit card, the borrower can fill in relevant information, apply for ID card loan in 3 minutes at the earliest, and withdraw cash from the account on the same day. Monthly handling fee rate 1.5%-2%.
Amount: the minimum is 3,000 yuan and the maximum is 60,000 yuan.
/kloc-More than 0/8 of China citizens can apply for a light rain loan through their ID cards, bank records in the last three months and residence certificates.
Amount: 1000-50000 yuan.
Xiaohua is a special platform, which only supports WeChat official account application. Submit real ID information when applying, it will be automatically approved within 10,000 quota, and the payment will be made within 3 minutes at the earliest, without mortgage or sesame seeds.
Line: 500 yuan, 1000 yuan or 1500 yuan.
And the loan is a very famous ID card APP. APP provides emergency loans and installment loan products. The term is 30 days and the daily interest rate is 0.03%. And provide the borrower with a loan of up to 20,000 yuan by stages, with the longest term of 12 months.
Related introduction:
What are the trustworthy personal ID cards?
What ID cards are you interested in here?
There are too many products on the market to list all the personal ID cards, so I sorted out the above ones today, hoping to help everyone. If the quota of the above platforms can't meet you, the same low threshold will be paid quickly.
Can provide you with more high-end choices, click
You can apply.
Which department should I check the loan amount of provident fund? How to inquire about the loan amount of provident fund?
If you want to inquire about the amount of provident fund loans, customers can directly call the staff of the local housing provident fund management center; Or go to the management center outlet and ask the counter staff.
Everyone needs to note that there will be restrictions on the maximum amount of provident fund loans in various places. For example, the maximum loan amount in Changsha is 600,000. It does not mean that customers can borrow as much as they want.
In addition, the amount of provident fund loan may be related to the balance paid in the customer's provident fund account, which is generally a multiple (the regulations may be different in different places, such as Changsha: the amount of personal housing provident fund loan applied by employees' families is 15 times the sum of the balance of the husband and wife's housing provident fund accounts).
If you refer to the repayment ability coefficient, the formula is: the loan amount of provident fund = [(the borrower's total monthly salary and the borrower's monthly housing provident fund contribution) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan period (month), and the customer can also calculate the amount according to the formula.
How much can the provident fund loan borrow? What are the requirements for a provident fund loan of 654.38+0 million?
How much can the provident fund loan borrow? What are the requirements for a provident fund loan of 654.38+0 million?
At present, many companies have paid the provident fund for their employees, so users who have paid the provident fund can not only withdraw the provident fund when they meet the conditions, but also apply for loans with their own provident fund when they meet the loan conditions later. Moreover, the loan interest rate of provident fund loans is much lower than that of bank commercial loans, which can give lenders less interest expenses. Therefore, provident fund loans are also the first choice for buyers now.
Provident fund loans are generally not the amount that users can borrow as much as they want. Different from commercial bank loans, users of commercial bank loans in mortgage to buy a house can make loans after paying the down payment, but the amount of provident fund loans is limited, and the amount of provident fund loans applied by different users may be different. So how much can a general provident fund loan borrow? How is the amount of provident fund loans calculated?
There are four main methods for calculating the amount of provident fund loans, as follows:
1, calculated according to the account balance:
According to the account balance, the amount of provident fund loans is generally calculated at 10 times or 20 times of the account balance, and local policies vary. For example, if there is a balance of 20,000 yuan in the user's account, you can borrow 400,000 yuan according to 20 times, but the specific multiple needs to be subject to local actual regulations.
2. According to the total house price:
Interest on provident fund loans in some areas is calculated according to the total housing price. Generally, the maximum loan ratio is 70% or 80% of the total house price. For example, a house with a maximum loan of 654.38+00,000 yuan is 800,000 yuan, but the final calculation formula still needs to be subject to local regulations.
3. According to the maximum amount:
Provident fund loans have a maximum amount in different regions, some with a maximum amount of 500,000 and some with a maximum amount of 700,000, depending on the actual policy.
4. According to the repayment ability:
According to the repayment ability, the specific calculation formula is as follows:
Different regions have different ways to calculate the amount of provident fund loans. Therefore, if users want to make provident fund loans, they can first consult the local provident fund management center for the specific calculation method of the amount of provident fund loans, or calculate the amount of provident fund loans at banks that can handle provident fund loans. In addition, the loan amount can also be calculated in official website of each region, and users can also make a trial calculation.
If users want to apply for a provident fund loan of RMB 6,543,800+0,000, they need to know the specific loan rules of their own place first. If you can't apply for a provident fund loan of 6,543,800 yuan after consultation, then users can choose a portfolio loan. Now many mortgage buyers choose the repayment method of portfolio loan.
Chengdu provident fund loan amount
The single maximum amount in Chengdu is: 800,000 yuan for the first suite of dual employees, 700,000 yuan for the second suite of dual employees and 400,000 yuan for a single employee.
Determinants of the amount of provident fund loans
The loanable amount of provident fund loans is determined by Chengdu Provident Fund Center according to the maximum amount of provident fund loans, the calculation formula of loan amount, the remaining house price after deducting the down payment, the proportion of repayment income and credit status. , after comprehensive evaluation of the actual situation of the loan applicant, take the lowest value:
Specific as follows
(1) Maximum amount of provident fund loan where the house is purchased.
1. Chengdu: For families with two or more employees who meet the loan conditions, the maximum amount of the first housing provident fund loan is 800,000 yuan, and the maximum amount of the second housing provident fund loan is 700,000 yuan.
The maximum amount of provident fund loans is 400,000 yuan for single-family housing that meets the loan conditions to purchase the first or second home.
2. The same urban area:
Deyang: 600,000 yuan for dual-employee families; Single worker family 400 thousand yuan.
Meishan: 500,000 yuan for dual-employee families; Single worker family 400 thousand yuan.
Ziyang: 600,000 yuan for dual-employee families; Single worker family 400 thousand yuan.
If the maximum amount of provident fund loans at the place where the house is purchased is adjusted, it shall be implemented according to the latest regulations.
(2) Calculation formula of loan amount
1. depositor's loan amount = ∑ (monthly paid provident fund × corresponding storage months × loan-to-deposit ratio coefficient)
2. After adding up the loan quotas of all borrowers who meet the conditions of provident fund loans for each loan, the loan quota of this provident fund loan can be obtained.
3. Please log in to Chengdu Provident Fund APP and Tianfu Citizen Cloud for the trial results of my loan line. , or consult Chengdu Provident Fund Center and loan bank.
You can also click: Chengdu Provident Fund Loan Calculator (Calculation of Repayment Loan Amount)
Calculation formula of loan amount (note: the maximum amount of the first suite for dual employees in the following example is 800,000)
(1) Loan amount paid to employees = ∑ (monthly paid-in provident fund × corresponding storage months × deposit and loan coefficient) The loan amount of each paid-in employee is calculated in monthly installments, and each paid-in provident fund corresponds to a loan amount.
What if the loan amount is low? Teach you a few tricks to increase the quota!
When buying a house loan, many people will cause the actual mortgage amount to be lower than their expected amount for various reasons. If you apply for a provident fund loan, even if you get the maximum loan amount, it is almost not enough to pay the remaining house payment. What shall we do? Below, we have summarized several solutions for you.
When buying a house loan, many people will have the actual mortgage amount lower than their expected amount for various reasons. If you apply for a provident fund loan, even if you get the loan amount, it is almost not enough to pay the rest of the house. What shall we do? Below, we have summarized several solutions for you.
1. What should I do if the provident fund loan amount is not enough?
The low interest rate of provident fund loans has become a lot of property buyers. However, in a first-tier city like Beishangguangshen and Shenzhen, it takes millions to buy a house with similar points, and the amount of provident fund is far from enough. What should we do?
1. Apply for a portfolio loan.
Take a city (such as Beijing) as an example. If you buy a 2 million house, the amount you can apply for provident fund is 654.38+0.2 million. Excluding the down payment of 600 thousand, the difference is 200 thousand This 200,000 can apply for a portfolio loan from the bank.
It should be noted that not all banks accept portfolio loans, which involve provident fund centers, banks and other institutions, and the approval period is more than 3 months. Buyers who are anxious to pay the house price should consider the time problem.
2. Apply for a commercial loan, and use the balance of the provident fund to offset the mortgage.
Since the amount of provident fund loans is not enough, why not give up provident fund loans and apply for commercial loans directly? In the case of commercial loans, the borrower can usually lend money about 2 weeks after submitting the loan application. As long as it meets the relevant conditions of the bank, it is generally possible to borrow the expected amount.
Moreover, after successfully applying for a commercial loan, you can apply to withdraw the provident fund to repay the monthly payment, but in this case, the interest will be higher than that of a simple provident fund loan. If the loan period is longer, the economic pressure that buyers need to bear is greater, which needs attention.
2. What should I do if the loan amount is reduced due to credit information and other factors?
You can consult other banks and apply in banks with loose mortgage policies, and it is possible to obtain the expected quota. If you buy a new house, you can apply for a loan from a bank that cooperates with the property, and you can also get preferential interest rates.
3. What if the income doesn't meet the requirements of the bank and I can't get the full loan?
You can consider applying for a relay loan. If Betty Wong's income is low, but his father has not retired, and his income is high, Wang Can Jr. applies for a mortgage loan as his father. The bank will calculate the monthly repayment amount according to the sum of the income of the father and son, thus increasing the loan amount. The following is the proportional relationship between monthly income and monthly repayment amount:
Betty Wong Jr.' s Income Father's Monthly Income > = Monthly Payment X2.
4. I consulted a number of banks, but I couldn't reach the quota. What should I do?
In this case, you can apply for a consumer loan to pay the house price, which is mainly applicable to companies. General banks, especially state-owned banks, have strict supervision over the flow of consumer loan funds, so it is difficult to pay house prices through consumer loans. The loan application conditions of small loan companies are relatively relaxed, the approval process is simplified, and it is easier to "borrow" consumer loans to pay the house payment.
All the loan channels have been tried, but it is still not enough. What should I do?
If the approved mortgage amount is not much less than expected and you don't want to apply for other loans, you can consider borrowing money from relatives and friends to make up the difference. I suggest that when you buy a house, you must apply for a loan according to your own economic situation. Don't affect the quality of life because of mortgage repayment. After all, it is not easy to be a house slave.