What's the maximum loan for Beijing Provident Fund to buy a house?
1.2 million yuan. Under normal circumstances, the single maximum amount of Beijing housing provident fund loan is 1.2 million yuan.
the housing provident fund will give priority to meeting the loan demand for purchasing the first self-occupied housing on the premise of ensuring the withdrawal of paid employees. From January 1, 215, the loan applicant will purchase policy-oriented housing or the first self-occupied housing with a Taoxing construction area of less than 9 square meters, and the maximum loan amount will be adjusted to 1.2 million yuan. For those who purchase non-policy housing with a Taoxing construction area of more than 9 square meters or the second housing, the maximum loan amount will still be 8, yuan.
housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
starting from July 1, 217, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On July 1, 221, the People's Republic of China and the Ministry of Housing and Urban-Rural Development confirmed the national housing provident fund service logo and decided to start it from now on.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
1. Housing provident fund is only established in cities and towns, and the housing provident fund system is not established in rural areas.
2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
4. the long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid in accordance with the regulations continuously during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
5. The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics.
what does a corporate loan need?
what are the requirements for corporate loans?
The so-called business loan is a loan granted by a bank to an enterprise as a legal person, which is used to operate the company's working capital. The service target is mainly for small and medium-sized enterprises that can't meet the bank loan access standards temporarily due to factors such as irregular financial management and substandard credit rating, but are in good operating condition. 1. Enterprise loan conditions (1) The borrower has a fixed residence, permanent residence or valid residence certificate. (2) It has full capacity for civil conduct and is the legal person or the largest shareholder of the enterprise using the loan. (3) Having a valid business license and a legal person code certificate, the enterprise has no bad credit record, operates according to law, pays taxes according to law, and has good performance. (4) Personal property with high economic income and sufficient value has the ability to repay the loan principal and interest on schedule. (5) It has no record of bad credit and debt, and can provide mortgage, pledge or guarantee recognized by the bank. (6) Other conditions stipulated by the bank. 2. The borrower should provide information on business loans (1) The identity card, household registration book and marriage certificate of the borrower and spouse (if single, it is necessary to issue an unmarried certificate to the Civil Affairs Bureau). (2) proof of assets (such as real estate, cars, etc.). (3) Proof of repayment ability such as personal or family income and property status. (4) Business license, tax registration certificate, organization code certificate, articles of association, etc. (5) Financial statements and tax returns for the last six months. (6) Other information required by the bank. 3. The maximum loan amount of an enterprise is 7% of the appraised value of loanable assets. 4. The enterprise loan period is 1~3 years as stipulated by the bank. 5. Corporate loan interest rate is now the bank loan interest rate stipulated by the bank. 6. Repayment method of the enterprise (1) If the loan term is within one year (inclusive), the repayment method of paying interest on a monthly or quarterly basis or repaying the principal in one lump sum at maturity can be adopted. (2) If the loan term exceeds one year, you can choose to repay the principal and interest by equal monthly or average capital. 7. Enterprise loan process (1) The borrower brings relevant information to the bank to apply for a loan. (2) The bank conducts pre-loan investigation and evaluation, investigates the borrower's credit rating and the legality, safety and profitability of the loan, verifies the collateral, pledge and guarantor, and forms an evaluation opinion. (3) With the approval of the internal review of the bank, both parties reach an agreement on the terms of the loan contract, mortgage contract and guarantee contract, and the parties concerned sign the contract. (4) The borrower goes through the mortgage registration and other relevant procedures agreed in the contract. (5) After the mortgage registration is completed, the relevant information will be handed over to the bank, and the bank will lend money.
what application materials should be provided for enterprise loans?
Hello, you need the following information
1. Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report, loan card
2. Annual reports for the last three years, financial statements for the last three months, corporate bills for the last six months
3. Lease of business premises. Signed purchase and sale contract (if any)
5. Assets certificate under the name of the enterprise
2. Personal data
1. Identity cards of the borrower and spouse
2. Identity cards of the property right holder and spouse
3. Household registration books of the borrower and the property right holder
4. Marriage certificates of the borrower and the property right holder
5. For example, real estate, automobiles, stocks, bonds, etc.
6. Personal bank flow in the past six months or a year
Specifically, Baidu Henan Rongyi Loan
What is the difference between corporate loans and corporate loans
The difference between corporate loans and corporate loans is as follows
1. The loan subjects are different: corporate loans are generally made in the name of individuals, and you can choose personal consumption loans, personal business loans and Enterprise loan is a loan in the name of an enterprise. Although the consent of the company legal person is required, and sometimes the legal person is even needed as the loan representative, the main body of the loan is always the enterprise.
2. Loans are used for different purposes: corporate loans can be used for personal consumption or business operations, and can also be used for business operations; Enterprise loans are used for business operations, including liquidity replenishment, project loans and enterprise expansion and development.
3. The loan amount, term and interest rate are different: This is mainly due to the fact that corporate loans can be applied in various forms, so the loan amount, term and interest rate are different when they are equal to corporate loans.
The above is the difference between corporate loans and corporate loans. If you happen to be an enterprise legal person of a company, you can choose a loan method according to your loan demand. Enterprise legal person is more of an identity, which can provide proof of repayment ability for your personal loan, increase your loan amount and reduce interest rate, while enterprise loan is a business loan with enterprises as the main body, and it is necessary to issue a resolution of the company's board of directors to approve the loan.
4 points about the responsibilities of legal representative in company loans
The legal representative of a company signs a contract on behalf of the company and promises to perform certain obligations, which should be borne by his company, not by the individual.
therefore, the loans of enterprises are repaid by enterprises. The legal representative of the enterprise is not personally liable for repayment. Of course, the premise is that the enterprise has no illegal acts such as false capital contribution, withdrawing funds, transferring assets, etc., and the legal representative has not made personal guarantee, otherwise the shareholders or legal representative of the enterprise may have to bear corresponding responsibilities.
if an enterprise can't repay the bank loan, what responsibility should the legal person bear?
1. First, classify enterprises. It is a limited liability company, a sole proprietorship company, a partnership or others. Because different companies are different. It's far from the point that banks can apply for bankruptcy liquidation of the enterprise. Some bear unlimited joint and several liability, which can be traced directly to the personal property of shareholders, while others bear all risks only with all your shares in the company. 2. See if there were mortgages, pledges, guarantors, etc. The general way is to apply to the bank for auction of collateral (usually real estate, few movable property, and it seems that mortgage patent rights are only done in Beijing guarantee companies at present), and the excess money goes to the reduction enterprise. Because it is generally carried out according to 5%~7% of the valuation (villas, industries are generally 5%, businesses are 6%, houses are 7%, and shops facing the street seem to be 6%, I can't remember clearly), so the money from auction will generally be redundant. If the enterprise applies for bankruptcy by itself, your company has the priority to be compensated for the property originally pledged to your company. 3. Do you mean legal person in a broad sense or legal representative? Above. There should be many shortcomings.
The company borrowed money in the name of the user, and now the legal person wants to resign.
Hello, according to the information you provided, I give the following answer.
1. Please confirm whether the company you mentioned is a limited liability company. If it is, please read on.
2. Corporate and legal representative are two different concepts. You are only the legal representative of the company, and you are just doing some actions on behalf of the company. Company law talents are the subject of responsibility. Therefore, in the company's liabilities, if there are no other special circumstances, you don't need to be liable for the company's liabilities.
3. As you used to be the legal representative of a heavily indebted company, it may hinder you from lending to the bank in the future, which is inevitable unless you pay off your debts.
what does the list of corporate family property need to provide for enterprise loans include?
Fixed assets also need to be looked at, such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.), which are the property of the legal person.
What materials should be prepared for the corporate loan to buy a house?
Materials to be prepared for the mortgage to buy a house loan:
1. Original and photocopy of the ID card of the borrower and spouse;
2. The original and photocopy of the household registration book of the borrower's husband and wife;
3. Proof of marital status;
4. original house purchase agreement;
5. Original and photocopy of advance payment receipt for 3% or more of the house price;
6. Business license, tax registration certificate, organization code certificate, articles of association and financial statements;
7. Bank flow;
8. Education certificate; 9. Bank deposit certificate;
1. Other financial proof;
11. Account number of the developer;
12. Other materials specified by the bank.
what are the requirements for corporate loans? How much can I borrow?
. Have full capacity for civil conduct and be under 5 years old. 2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce. 3 engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. 4. Good credit standing, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by Industrial Bank. It may be necessary to provide collateral, a house or a car, and calculate the interest on how much money you use from when you use it! If the loan money is not taken out of the bank, then the interest will not be calculated. The maximum amount of new small secured loans issued by financial institutions to individuals will be raised from 2, yuan to 5, yuan. 1. Housing mortgage loans and employment-oriented loans. 1. The conditions of the borrower: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign account); The borrower is 18-65 years old (if the mortgagor is over 65 years old, he must entrust others as the borrower to apply for a loan). 2. Provide information: husband and wife's ID card, household registration book, marriage certificate and income certificate; Property certificate of mortgaged house (if the property provides the original purchase contract). 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Types of mortgaged properties: commercial housing, housing, affordable housing, apartments, villas, shops, office buildings and shops. 5. Specific process: collecting customer materials (collecting deposit) → home visit, evaluation → determining loan amount → reporting to the bank → signing a contract at the bank → examining and approving → doing mortgage registration → customers collecting money from our company. 6. Loan period: 1-3 years of mortgage loan. 7. Date of completion of real estate: Real estate can be handled after 78 years. 8. Loan amount: 1 million. (The loan amount can be recycled) Multiple properties can be mortgaged at the same time under one person's name. Second, the loan with the same name can be added according to the loan. 1. The conditions of the borrower: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign account); The borrower is 18-65 years old (if the mortgagor is over 65 years old, he must entrust others as the borrower to apply for a loan). 2. Information provided: ID card of borrower and spouse (including ID card, passport, military officer's card, travel permit to and from mainland China, Taiwanese certificate) Marriage certificate of borrower and spouse (marriage certificate for married, divorce certificate or divorce judgment for divorced, death certificate for widowed) Temporary Residence Permit for the borrower who is a foreigner, Certificate of Balance for the lender whose property right is mortgaged (. Please provide the following materials as far as possible if you can, or you can if you can't. Credit certification materials of the borrower (including automobile driving license, real estate license, passbook, deposit certificate, equity investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.); It is not necessary to provide it, but it is helpful for approval.) 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Loan amount: 1 million. (The loan amount can be recycled) Multiple properties can be mortgaged at the same time under one person's name. 5. Specific procedures: receiving customer materials (receiving deposit) → home visit, evaluation → setting loan amount → reporting to the bank → signing a contract at the bank → approval → repayment and mortgage release → doing mortgage registration → customers paying fees at our company → lending. 6. Loan period: The loan period has been borrowed in other banks, and now you apply for a house with a loan period of ≤3 years. Repayment method: average capital (decreasing), equal principal and interest, repayment of principal on schedule (limited to loans with a loan life of less than one year and a loan amount of less than 5, yuan) III. Second-hand housing mortgage loan, second-hand housing mortgage loan 1. Information required by the borrower (buyer): second-hand housing sales contract or agreement, borrower's and spouse's ID card (including ID card, passport, military officer's card, mainland travel permit and Taiwanese certificate), borrower's and spouse's household.