Of course you can borrow it! We like civil servants best. It depends on what kind of money you want to borrow. No mortgage, just have a business license, and find a colleague as a guarantee. The maximum amount is 654.38 million yuan, and the interest rate is 15.3%.
Commercial loans must have a business license and real estate mortgage, the maximum amount is 654.38+0 million, and the interest rate is 6.3%.
Second-hand housing mortgage is simpler, just find the seller and you two go directly to the bank. The maximum amount is 5 million, and the interest rate is 7.5%, which is 4.455% after discount. Your civil servant can get a little more discount.
2. What is the interest rate of the Postal Savings Bank loan?
Postal Savings Bank refers to China Postal Savings Bank, or PSBC for short. How much interest you can get from a loan at the Postal Savings Bank is related to the loan interest rate of the Postal Savings Bank. Then, what is the loan interest rate of the Postal Savings Bank? If you know the interest rate, then the interest rate will have the answer. Come and have a look with me.
How much is the interest of the Postal Savings Bank loan?
The loan interest rate of the Postal Savings Bank is based on the benchmark interest rate of the central bank. The benchmark interest rate of loans announced by the central bank, commercial loans: 4.35% for one year or less; One year to five years (including five years) is 4.75%; More than five years is 4.9%. Housing provident fund loans: 2.75% for less than five years and 3.25% for more than five years. In addition, banks will choose floating loan interest rates according to local market conditions.
Postal savings bank loan interest = loan principal x loan term x loan interest rate. After knowing the loan interest rate from above, we can calculate the loan interest according to how much and how long we borrowed. I believe that after reading this article, everyone knows what the loan interest of the Postal Savings Bank is.
Third, many bank loan products, postal loans?
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According to different loan demands, China Bank, China Construction Bank, Postal Savings Bank and China have also launched different service products accordingly. What are the requirements of many banks for service products and loans? Let me show you something about postal loans.
1. Advantages of postal loans:
1, the loan method can be applied for credit loan, which can be varied for you to choose;
2. The loan interest rate is not high: the direct operation of the Postal Savings Bank will be lower than the loan interest rate of other institutions;
3. Variable loan amount: You can get different loans according to your different needs and conditions;
Second, small loans.
Farmers refer to loans issued to farmers to meet their agricultural planting, breeding or other rural capital needs; Merchants refer to loans issued by urban and rural private entrepreneurs (including individual proprietorships, individual partners of partnership enterprises, industrial and commercial households, etc.). ) to meet their production and operation capital needs. Therefore, when making a loan, the following conditions must be met:
1. Farmers require borrowers to be married, and merchants require borrowers to have business for more than half a year;
2. Have full capacity for civil conduct, be in good health and have the ability of labor production and operation;
3 18 years old and 60 years old;
4. Have a local account or
5. It is necessary to provide 1 to two natural persons for guarantee, and the guarantor requires national civil servants, teachers, doctors, etc. Form a joint insurance team of 3 to 5 households;
6. Have a stable business place.
Third, the postal bank mortgage.
1. The borrower can provide collateral approved by the Postal Bank as collateral;
2. The borrower is between 18 and 60 years old and has full capacity for civil conduct;
3. Have a local permanent residence or a valid residence certificate;
4. Have a legal and stable income source and good credit;
5. The sum of the loan term and the borrower's age shall not exceed 65 years old;
6. Other conditions required by the Postal Bank.
Four, the postal savings bank personal credit consumption loan conditions:
1. The loan targets are mainly cadres at the deputy department level in administrative institutions and official staff with intermediate titles or above, including teachers, attending (supervisor) doctors in public hospitals, senior managers and technicians in financial, telecommunications, electric power, tobacco, oil refining, ports, salt affairs, lawyers, accountants and other units with good credit records and stable income sources;
2./kloc-a natural person aged 0/8-60 with full capacity for civil conduct;
3. Have a stable occupation and income, have repayment ability, and have a good credit record;
4. The loan amount is 500,000-500,000 yuan, with a minimum of 1 month and a maximum of 3 years;
5. Have permanent residence or valid residence status in the local town;
6. Have a clear intention of consumption or have signed relevant consumption contracts;
7. Guarantee approved by the lender can be provided.
Postal service is a small loan service provided by China Postal Savings Bank for a single lender. How about a postal loan? Whether it is good or bad, different users have different opinions. When choosing loan services, we should choose the service products that we need and suit ourselves according to our own conditions. If you still don't understand the loan, you can consult a professional lawyer.
Extended reading:
What is the loan interest rate of China Industrial and Commercial Bank?
What is the specific loan process of China Industrial and Commercial Bank?
China Industrial and Commercial Bank entrusted loan agreement