The new policy is as follows:
If the borrower meets the loan conditions, the maximum loan amount will be adjusted to 500,000 yuan; If both the borrower and spouse meet the loan conditions, the maximum loan amount will be adjusted to 800,000 yuan.
The new policy of provident fund loans is applicable to commercial loans to provident fund loans. The loan amount of provident fund cannot be adjusted after loan. The standard for determining the object of Wuxi housing provident fund loan is "recognizing the house and recognizing the loan".
Where to go for enterprise loans in Wuxi, Jiangsu? There are these channels
Many small and medium-sized enterprises in Wuxi, Jiangsu will inevitably encounter difficulties when they need loans, and corporate loans are generally business loans, so we must choose the right channels, otherwise it is more likely that loans will be rejected. Here, I will give you an inventory of the common loan channels of Suzhou enterprises. As for where to get a loan, it depends on your choice.
First, the common channels of Suzhou enterprise loans
1, looking for a bank
There are many advantages in finding bank loans, and there are many kinds of products. Credit loans, mortgage loans and secured loans are always suitable for enterprises to apply. In addition, the interest rate of corporate loans is low, and the benchmark interest rate of the central bank is generally implemented. There are also many policies to support enterprises, such as discount loans. The application is quite good.
Generally speaking, however, only local branches in Suqian can apply for corporate loans, and there are also some online banks, such as Wechat business loans from Weizhong Bank. If Suqian enterprises have the integrity to pay taxes, they can try. The maximum loan amount is 3 million yuan, and there is no need for mortgage guarantee. Apply directly online, and the audit can be completed in 30 minutes at the earliest, and the loan will be received on the day when the qualification is good.
Step 2 find a financial company
Finance companies have a low loan threshold, which is easier to apply than bank loans, but the interest will be higher. In order not to be routine, we must find a formal financial company with loan qualification in Suqian.
When making a loan, read the terms of the contract carefully, paying special attention to interest, repayment method, overdue, etc. If there are hidden terms, or if the loan was charged before, don't believe it, and don't do it if the annual interest rate exceeds 24%.
2. Where can I get a loan from a company in Wuxi, Jiangsu?
Generally speaking, it should be selected according to the credit situation of the enterprise. Banks have good credit and loan companies are generally qualified.
But if you want to take a chance, you can go to the bank to touch porcelain first, and then go to the loan company if the bank doesn't lend.
Wuxi housing loan conditions
With the continuous development of Wuxi, many people will choose to borrow money to buy a house in Wuxi, but applying for a loan in Wuxi requires certain conditions. The following are the conditions of Wuxi housing loan I have compiled for you, hoping to help you.
Wuxi housing loan conditions
1. Have valid residence status or permanent residence in cities and towns;
2. Good credit, a fixed occupation and stable income, and the ability to repay the loan principal and interest on schedule;
3. Having assets approved by the bank as collateral, or units or individuals with sufficient compensation capacity as guarantors, able to repay the loan principal and interest and bear joint and several liabilities;
4. If there is no housing subsidy, 20% of the total purchase price will be used as the down payment; Enjoy the purchase subsidy, and 20% of the individual's share is used as the down payment for the purchase;
5. There is a house purchase agreement or contract, and the price of the house purchased basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
6. Other conditions stipulated by the bank.
Information to be provided for loan to buy a house
1. Three originals and photocopies of the ID card and household registration book of the applicant and his spouse. If the applicant and his/her spouse are not in the same account, it is necessary to prove the marriage relationship between the applicant and his/her spouse.
2. The original documents of the signed agreement on the purchase of houses.
3. 1 Original and photocopy of advance payment receipt for 20% or more of the purchase price.
4. The family income certificate of the mortgagor and the relevant assets certificate of the mortgagor, including the salary table of the mortgagor, the personal income tax bill of the mortgagor, the income certificate issued by the unit, and the deposit certificate of the mortgagor in the relevant bank.
5. 1 Copy of the collection account number given to the developer by the person who applied for mortgage when buying a house.
Wuxi housing loan process
1, consulting the loan situation
Before signing the contract, the purchaser should consult the housing provident fund or bank that intends to apply for a loan, learn more about the loan policy and confirm his own situation.
2. Sign a house sales contract.
The parties to the transaction negotiate the details of the contract and sign a house sales contract.
Step 3 submit an application
The borrower fills in the loan application form and provides the information needed for the house purchase loan.
4. Data review
The loan bank shall review the borrower's credit status and information, and give the applicant a formal reply within three weeks.
5. Sign a loan contract
If the loan bank agrees to the loan, the borrower and the borrower shall sign a loan contract, and at the same time sign a mortgage contract, a pledge contract and a guarantee contract according to the loan guarantee method.
Step 6 lend a loan
According to the national and local laws and regulations, as well as the provisions of the bank, buyers go through the formalities of real estate insurance, mortgage registration or contract notarization. After the formalities are completed, the loan bank will issue the loan according to the contract.
Principles to be followed in Wuxi housing loan
First of all, make a comprehensive evaluation of the existing economic strength of the family.
In this way, you can determine the amount and proportion of the down payment for buying a house, such as how much money you have, how much your parents can support, how about the provident fund account, and so on. , these all have to be counted. You can't seriously affect the normal quality of life because of buying a house, and avoid becoming a house slave.
Second, make reasonable expectations for the family's future income and expenditure.
Buying a house with a loan requires knowing the income expectation and large expenditure expectation, such as the main income and income of family members. In addition to considering the income situation, the expenditure situation cannot be ignored. Because if it is a family of three, children's expenses, especially education expenses, are not small expenses and should be included.
Third, learn to calculate your repayment ability.
Repayment ability is an important basis for determining the amount of mortgage, because the bank will require you to issue an income certificate, and the general income certificate should cover more than twice the monthly payment, otherwise the bank will not approve the amount you want to borrow. Even if it is approved, if the income is too low, it will definitely affect the normal quality of life after paying off the mortgage every month.
Fourth, learn to calculate your own loanable amount.
The loan amount is very important to the loan. It is important to know which principles are important, and know that the loan amount is a loan to buy a house. Loan amount of provident fund loan = monthly deposit/monthly deposit ratio 0.45 12 actual loanable period (≤30 years). The loan amount of commercial loans depends on income, and the income proves that the running water needs to reach twice the monthly supply.
5. Shop around and choose a bank carefully.
At present, the competition between banks is very fierce. In order to gain more market share, banks will adjust the loan interest rate according to the loan interest rate range stipulated by the state. Therefore, when making loans, the fund demanders should "shop around" and choose low-interest banks to lend.
Six, the optimal combination principle of portfolio loans
What principles should I know when buying a house with a portfolio loan? Of course, there should be as many provident fund loans as possible and as few commercial loans as possible. However, the disadvantage of portfolio loans is that the loan approval period is long, generally about 3-4 months.
Seven, find out the price difference, the preferred way.
At present, the loan management methods in the banking industry mainly include credit, guarantee, mortgage and pledge. Accordingly, when banks implement the loan interest rate, the floating range of the loan interest rate will be different. It is also a loan with the same application period and the same amount. If you choose the wrong loan form, you may bear more loan interest expenses and let yourself pay more for nothing. Therefore, it is very important for fund demanders to pay attention to and understand the spread under different loan methods when lending to banks.
Eight, the loose principle of down payment
Pay attention to the down payment, you certainly don't know what the principle of buying a house with a loan is. I tell you, when you pay the down payment, don't use up all the money you have. You should set aside some funds for the purchase of furniture and home appliances, the decoration expenses of the house, the taxes and fees that need to be paid in the early stage of buying a house, etc. These should be used as the pre-budget
Nine, the loan period can be as long as possible.
The Latest Loan Policy of Wuxi Provident Fund
Wuxi provident fund loan application conditions: the housing provident fund shall be paid on time, in full and continuously in the first six months of the month when the loan is applied, and the housing provident fund shall not be owed in the first two years from the month when the loan is applied; The purchased house is a self-occupied ordinary house; The loan applicant is the owner or owner of the purchased owner-occupied house; Stable income; Provide guarantee or pledge, etc.
The legal basis of Wuxi provident fund loan policy 2020
"Opinions on Further Standardizing and Perfecting the Housing Provident Fund Policy in Our City" Article 2
Housing provident fund loans are issued to paid workers' families who purchase the first set of self-occupied housing and the second set of self-occupied housing. Stop issuing housing provident fund loans to paid workers' families who buy third and above houses.
essay
Workers' families purchase the first set of self-occupied housing in the administrative area of Wuxi to apply for housing provident fund loans, and the down payment ratio is not less than 20% of the total housing price; Purchase a second set of self-occupied housing to apply for housing provident fund loans, and the down payment ratio shall not be less than 40% of the total housing price; Buy self-occupied houses in Jiangyin and Yixing and apply for housing provident fund loans. The down payment ratio is not less than 20% of the total housing price.
How many loan customers are there in Wuxi?
48,226 households. According to the query data, the balance of small and micro loans in Wuxi in 2022 was 35 1 billion yuan, an increase of 33.5 billion yuan over the beginning of the year, with 48,226 households. Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
What is the loan process of Wuxi housing provident fund?
Purchase process of provident fund loan: 1. Materials required for housing provident fund loans: household registration books of borrowers and their spouses; Resident identity cards of the borrower and his spouse; Proof of the marital status of the borrower; Proof of down payment for house purchase; Proof of income; Credit status report of the borrower and his spouse printed by the bank; Housing sales contracts or agreements that comply with the law. The second is the conditions for handling housing provident fund; Individuals and their units must continue to pay housing provident fund for one year; The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price. 3. Housing accumulation fund handling process: the lender prepares relevant materials, fills in the loan application in the bank and submits the materials; After receiving the application, the loan bank shall confirm and review the information; After the audit, the loan bank contacts the lender and signs the relevant contract; For bank loans, the lender shall fulfill the repayment obligation. Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.