If funds are needed in the near future, Ping An Bank has launched unsecured credit loans, as well as mortgage loans and mortgage loans for houses and cars. Different loan application conditions and requirements are different. How much loan can be approved is evaluated according to your comprehensive qualifications.
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Reply time: 202 1- 12-22. Please refer to the latest business changes announced by Ping An Bank in official website.
I want to buy a 400,000 car. I want to use the provident fund loan. I don't know how to borrow it. How many years can I keep it?
I want to buy a 400,000 car. I want to use the provident fund loan. I don't know how to borrow it. How many years can I keep it?
The loan amount of provident fund should be determined according to four conditions: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.
Provident fund loan amount and its calculation method;
[(the total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month);
Use of spouse's quota: [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month);
The repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan ratio.
/kloc-how many years is the provident fund loan of 0/.4 million?
Hello! If only the interest expense is considered, the shorter the loan term, the less the interest expense;
If you have a good investment project, the income is higher than the loan interest rate, and the income is certain and the risk is controllable, you can choose the loan term as long as possible to improve the capital income;
In addition, consider your financial arrangements. For example, is there any possibility of emergency expenditure and so on.
The above suggestions are for reference. I suggest you consult a financial planner and work out an investment method that suits you.
If you still have questions, I suggest you consult "Customer Service Online": forum. cmbchina。 /CMU/icslogin.aspx？ From=Blogincmu=0, we will serve you wholeheartedly!
How many years can Nanjing provident fund loan be borrowed?
The longest loan period of the provident fund is 30 years.
What conditions do individual housing provident fund loans need to meet? The main contents are as follows:
1. The borrower has full capacity for civil conduct;
2. Have the official residence or valid residence status in this city;
3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;
4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;
5, can provide a valid contract or agreement for the purchase of owner-occupied housing;
6. In the purchase contract, the borrower and the purchaser must be consistent, and the co-owner (except the spouse) who purchases the joint property rights must issue a written commitment to agree to the mortgage of the house;
7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;
8. The borrower agrees to handle housing mortgage loan and insurance;
9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;
10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.
Provident fund loan process:
1. The borrower applies for a loan at the acceptance branch;
2. Accept the outlets to inquire about the property status under the family name;
3. Accept the acceptance of outlets;
3. sign a contract;
4. examination and approval;
5. The real estate trading center shall handle the mortgage registration procedures;
6. Bank loans.
How many years can I borrow from commercial loans to provident fund loans?
Under the condition of meeting the above provisions, the term of converting commercial loans into provident fund loans shall not exceed the remaining years of commercial loans.
I don't know the maximum amount of provident fund loans.
First of all, you misunderstood the meaning of provident fund loans. Provident fund loan is a quantitative concept, not a percentage concept of bank mortgage. Let's just say that provident fund loans are loans based on the monthly payment of provident fund. When the monthly payment exceeds 1.440 yuan, supplementary provident fund will be generated, that is to say, the upper limit of the monthly payment of provident fund is 1.440 yuan. If it reaches or is less than this figure, you can borrow less than 300,000 yuan. Exceeding this figure means that the maximum amount of supplementary provident fund is 600,000, and at least 400,000 provident fund loans are not directly related to the loan ratio. When the total house price is too low, it is generally not supported to use provident fund loans, because it provides mortgage loans with an amount other than 70% of the total house price. When the provident fund loan can completely cover the loan, he can use 70% of the total house price at most.
How many years is the provident fund loan of 240,000 suitable?
In the average capital, the initial monthly repayment amount is large, and the interest on the total repayment amount is relatively small. It is said that banks are not easy to handle now. I don't know if it's local or other reasons. The equal amount of principal and interest of 200,000 yuan is fixed monthly for 20 years, and the monthly repayment amount is 1200 yuan. If it is 15 years, it will be 1500 yuan. Judging from your income, there is little pressure to repay the loan.
How many years can a provident fund lender borrow?
Hello, according to local policies, the longest loan period in many places can only be 25 years, and in some areas it is 30 years. Please understand.
The provident fund loan is 660,000, the monthly income is 9,000, and the provident fund loan is 899. How many years is the provident fund loan suitable?
Can I get a loan of 660 thousand? Loan 15, monthly payment is about 5 100. It seems that the monthly income is almost the same, and the monthly income certificate will be 100.
Hefei provident fund loan period: how many years can the provident fund loan be loaned?
The longest loan period of housing provident fund shall not exceed 20 years, and it shall not exceed 5 years from the date of applying for the loan to the statutory retirement age of the borrower, and the loan shall be applied before retirement; If the house age is less than 20 years (the completion period of the house is subject to the real estate license), the loan period for second-hand houses and self-built houses shall not exceed 20 years, and the sum of the loan period and the house age shall not exceed 30 years at the longest.
How many years can I still borrow provident fund loans at the age of 56?
If it is a woman, it can only be borrowed for four years at most, and if it is a man, it can only be borrowed for eight years at most.
What conditions can be met to make the provident fund loan 400,000?
The personal provident fund loan amount is 10- 20 times of the balance of the provident fund account; The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers.
Provident fund loan amount
1. The monthly repayment amount calculated according to the loan amount (principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's provident fund or the sum of the deposit bases of the applicant and the co-applicant who calculated the loanable amount.
2. Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall meet the relevant requirements of national, provincial and municipal real estate regulation and control. If the purchased house is a commercial house (second-hand house), the total purchase price is the lower of the purchase contract price and the appraisal price made by the real estate appraisal agency recognized by the provident fund center.
3, not higher than the maximum amount of a single housing provident fund loan, the maximum amount of individual applications is 500,000 yuan, and the maximum amount of joint applications is 900,000 yuan.
Extended data:
Provident Fund loan process
1, loan applicant consultation
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.
2. Preliminary review and evaluation
The loan applicant should go to the loan handling department for preliminary examination and relevant evaluation.
(1) The loan applicant holds the application materials for housing provident fund loans and goes to the loan handling department for the preliminary examination of provident fund loans.
(2) If it is necessary to conduct personal credit evaluation on the loan applicant according to the regulations, the loan applicant shall sign the Letter of Authorization for Credit Evaluation under the supervision of the staff of the loan handling department.
(3) The staff of the loan handling department prints relevant documents to inform the loan applicant how to handle the next procedure.
(4) If the house purchased by the loan applicant needs to be evaluated according to the regulations, the staff of the loan handling department will also issue a notice of mortgage evaluation to the loan applicant, and the loan applicant or entrusted agent will apply for mortgage evaluation at the evaluation institution designated by the Beijing Housing Provident Fund Management Center.
3. The loan applicant waits for the phone call.
(1) The staff of the loan handling department shall review the loan materials provided by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.
(2) If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid.
4. The loan applicant signs relevant contracts.
(1) According to the interview time notified by telephone, the loan applicant shall go through the signing formalities with the materials required for the housing provident fund loan interview at the loan handling department. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.
② The loan applicant, the co-applicant, the mortgagor and the pledger complete the signing procedures of the loan contract and other relevant contract documents under the guidance of the staff of the loan handling department.
Verb (abbreviation for verb) bank loan
After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.