20 17 Zhengzhou's latest mortgage interest rate: the benchmark interest rate for commercial loans is 6. 15, but many banks have gone up, at least 5% (very rare) and the highest 20% (very many), and the interest rate for provident fund loans is 4.25%. Specifically:
I. Short-term loans
Within one year (including one year): 4.35%;
Second, medium and long-term loans
One to five years (including five years) more than five years: 4.754.9%;
Third, discounts.
Determine with the rediscount rate as the lower limit;
Four, personal housing provident fund loans
Less than five years (including five years) and more than five years: 2.753.25%.
Mortgage application materials:
1. The borrower's valid ID card and household registration book;
2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book and marriage certificate are required).
Which loan platform in Zhengzhou is fast and reliable?
In 20 17, the house price in Zhengzhou rose all the way, and the house price in Zhengdong New District soared to more than 30,000. For many people who have bought a house in Zhengzhou, whether they are decorating or doing other things, the money on hand is always insufficient. Many people will choose at this time, but which is better in Zhengzhou? Let's introduce it below.
1, Henan Dingyuan Investment Consulting Co., Ltd.
Henan Dingyuan Investment Consulting Co., Ltd. is mainly engaged in serving local small and medium-sized enterprises and individuals in Zhengzhou. The company has established a solid and close cooperative relationship with the bank, and the two sides have formed a good reputation foundation through continuous business exchanges;
2. Good Loan Network
Good loan network serves Zhengzhou users well, with simple procedures, fast lending process, simple procedures and flexible repayment methods;
3. Henan Huixiao Financial Services Co., Ltd..
Which is better in Zhengzhou? Go to Henan Xiao Hui Financial Services Co., Ltd., which is a provincial-level qualified company approved by the Henan Provincial Department of Industry and Information Technology, approved by the Provincial Administration for Industry and Commerce and registered by the Provincial Administration for Industry and Commerce. As a local company, supported by Henan policy, it is a reliable and fast-paying company.
Through the introduction, you must have a certain understanding of which Zhengzhou is good.
Loan interest rate of Zhengzhou rural commercial bank
The loan interest rate of rural commercial banks is:
1. Short-term loan: within one year (including one year), with annual interest rate of 4.35%;
2. Medium and long-term loans: one to five years (including five years), with an annual interest rate of 4.75%; For more than five years, the annual interest rate is 4.90%;
Third, personal provident fund loans: less than five years (including five years), with an annual interest rate of 2.75%; For more than five years, the annual interest rate is 3.25%;
Rural commercial bank loan process:
1. The borrower applies for a loan from the bank, fills in the loan application form and submits relevant information specified by the bank;
2. Bank staff investigate and review the relevant information submitted;
3. Data passed, investigation passed and approval passed;
4. The bank signs a loan contract with the borrower, and implements the loan conditions and loan mortgage procedures;
5. Open a bank account and the bank issues loans;
6. The borrower shall repay the principal and interest of the loan on schedule according to the regulations of the bank, and this contract shall be terminated after the loan is paid off.
What are the application methods for Chinese New Year in Zhengzhou?
The Spring Festival is coming, and many people don't want to borrow some money to go home for the Spring Festival at the end of the year. Loans are the best way for people in urgent need, but loans are not unconditional, and they are very strict with loan applicants. So, what are the application methods in Spring Festival travel rush?
1, bank
If you have a good credit record and a stable job and income, you can go to the bank to apply for an individual. Borrowing in this way can not only obtain a lower expected annualized interest rate, but also be safe and reliable, which is the best choice for borrowers. However, the loan threshold is too high, and not everyone can get what they want. Therefore, it is best for borrowers to evaluate their own situation before applying for bank loans, so as to save the time for loan approval.
2. Microfinance companies
In addition to banks, borrowers can also apply for loans from small loan companies in Zhengzhou. Compared with banks, small loan companies not only have a low threshold, but also lend quickly, but the loan cost is slightly higher, because in addition to interest, they have to pay a certain handling fee.
In addition, in terms of security, small loan companies are also slightly inferior to banks, so I would like to remind everyone that if you want to find a reliable small loan company, besides on-site inspection, remember not to pay any fees before you get the loan.
3. Credit card
Many people think that credit card is a simple consumption tool, but in fact, credit card is also a short-term individual. Moreover, compared with traditional banks, credit cards have another advantage, that is, cardholders can enjoy an interest-free period. In other words, after the cardholder overdraws the credit card, as long as the repayment is agreed, he can enjoy interest-free for up to 56 days.
There are many kinds of loans in Zhengzhou, including secured loans, pledged loans and mortgage loans. The implication is that if you have a guarantor or collateral as collateral, you can apply easily, and the repayment method is more flexible and less boring than that of a bank.
In addition, different lending institutions will handle different situations. Therefore, before applying for a loan, the borrower needs to consult in detail in advance and find a suitable loan method before applying for a loan.