Fifty thousand dollars is a moderate amount. When you need 50 thousand yuan badly, it is difficult to raise it from your friends at the moment Loans, but the loan market is so big that there are hundreds of loan products. Is it necessary for banks to run around asking how to borrow 50 thousand yuan?
Next, I'll tell you what simple ways to get a loan of 50 thousand yuan. With goals, we can achieve them quickly.
Method 1: Personal credit loan
The quota of 50,000 yuan is neither high nor low. If your credit is good, your income is stable, your monthly income is at least 5,000 yuan (some banks may require 6,000 yuan or 7,000 yuan according to the different requirements of different cities and banks), and your work income is stable for at least half a year, then you can apply for a credit loan at the bank.
General commercial banks are easier to apply than the four major banks!
Method 2: Personal mortgage loan
If you do not meet the above credit loan conditions, you can show your assets and apply for a mortgage loan. The loan amount of 50,000 yuan is not high, so the requirements for collateral are generally not very high. It is more appropriate to have collateral with an estimated value of more than 50 thousand yuan as collateral under the name of the individual.
The review time of mortgage loan is longer than that of credit loan.
Method 3: credit card installment payment
Friends who have a credit card can get it through a credit card, provided that the credit card amount is higher than 50 thousand, and then repay it in installments.
Method 4: Lending institutions
If the above three are not suitable for you, then there is a less strict and easy method, which is to find a lending institution. Even if the borrower's personal qualifications are not so good, it can make it easier for you to get a loan through a lending institution.
If you apply for a loan through a lending institution, the fees you need to pay will increase relatively.
2. What are the requirements for getting a loan of 50,000 yuan from the bank? What is the minimum monthly payment?
The loan of 50,000 yuan is generally a credit loan, so the information needed is relatively simple. First of all, there is nothing wrong with your credit information, such as no overdue and no debt; Can provide valid ID card, proof of income, bank statement and credit report. The term of general credit loans is 36 installments, and the regular interest of credit loans is 0.7% per month, so the monthly repayment amount is 1738 yuan.
How much can I borrow from the 35,000 provident fund?
1. For the loan amount of 50,000 provident fund, the calculation method is as follows:
Loan capacity coefficient-total monthly repayment amount of the borrower's existing loans }× loan term, {× loan capacity coefficient of the spouse bank-total monthly repayment amount of the existing loans of both husband and wife }× loan term. Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund;
2. According to the house price × loan ratio, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
3. According to the housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account, and the balance of the housing provident fund account shall be calculated as 20,000;
4. Apply for housing provident fund loans with my own housing provident fund according to the maximum limit. The maximum loan limit is 4 times. I apply for housing provident fund loans with my own housing provident fund. When applying for loans, I normally deposit supplementary housing provident fund and borrow RMB. At the same time, I apply for housing provident fund loans with my spouse's housing provident fund, and I or my spouse normally deposit supplementary housing provident fund when applying for loans. The maximum loan limit is RMB 700,000.
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 institutions, social organizations and their employees.
Second, provident fund.
From July 1 2065438, 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 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
In 20021year, various businesses of the national housing provident fund operated smoothly, with the amount of housing provident fund deposit of 29156.87 million yuan and 661.21.00 million people [28].
legal ground
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund apply for the purchase, construction, renovation and overhaul of housing provident fund loans in the housing provident fund management center.
The housing provident fund management center shall grant or disapprove the loan within 15 days from the date of accepting the application, and the entrusted bank shall handle the loan procedures.
The housing provident fund loan risk is managed by the housing provident fund.
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.
Twenty-eighth housing provident fund management center in the housing guarantee, approved by the housing provident fund management committee can buy government bonds.
Housing accumulation fund management.
Twenty-ninth housing provident fund value-added income should be deposited in the housing provident fund management neutral housing provident fund loan risk reserve, housing provident fund management center management fees and supplementary funds for urban low-cost housing construction.
How to handle a loan of 45,000 yuan?
Personal business loan: preferential policies, Mr. Liu has been doing business for others since he was laid off in 2000. Later, he had the idea of starting his own business and decided to open a single apartment. According to the budget, the expenditure on decoration and purchase of simple furniture is 30,000 yuan; The landlord requires a one-time payment of 1 year rent, and three houses need to be paid in advance 1 10,000 yuan, so the overall start-up capital is 40,000 yuan. Under the guidance of a friend, he took the house he lived in as a mortgage and went to the bank to apply for a commercial loan. After the loan was obtained, Mr. Liu discovered that this kind of loan not only had simple procedures, but also enjoyed a downward interest rate of 20%. With this venture loan, Mr. Liu's single apartment opened soon and the business was very prosperous. After deducting the loan interest and other expenses, the monthly net rental income is about 2000 yuan. Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. At present, ICBC, Bank of China, Agricultural Bank, Shanghai Pudong Development Bank, CITIC Industrial Bank and Bank of Communications have all launched personal business loans. For example, the first personal loan center established by Agricultural Bank of China in Sichuan Province can solve the loan through the mortgage pledge of shops, houses and securities, and the guarantee provided by powerful people. The maximum loan amount can reach 2 million yuan. Mortgage: gambling on other people's property rights to make a fortune. Mr. Zhao used to be a driver in a factory. After the company bought out the seniority and got a compensation, he became unemployed. At this time, the expressway construction began in his area, and a large number of engineering vehicles were needed for civil engineering. At present, most engineering contractors do not buy their own vehicles, and use outsourcing to solve the problem. After some investigation, Mr. Zhao thinks that it is a very good way to make money to buy a transport vehicle to undertake civil engineering, but buying a car requires a lot of money, and the cheapest dump truck is less than 80 thousand, and he only has more than 20 thousand yuan to buy out the compensation for the length of service, so he has to turn to the bank for help. With the help of the bank staff, he first took a fancy to a15t dump truck in a designated car dealership, and signed a mortgage loan contract of 60,000 yuan with the bank. Finally, after paying a down payment of more than 20,000 yuan, he drove his new car home and quickly took over the earthwork of the construction site. Today, Mr. Zhao's monthly income reaches more than 8,000 yuan, and he is preparing to take out a loan to buy another car. Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral in accordance with the mortgage method stipulated in the Guarantee Law. When handling mortgage loans, banks should keep the relevant property rights certificates of collateral, especially housing mortgages and auto loans. The house can be used and the car can be driven, but strictly speaking, the property right has been mortgaged to the bank, and all you have is the right to use it. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If starting a business needs to buy commercial housing along the street, you can apply for a commercial housing mortgage loan from the bank with the house to be purchased as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years. If you need to buy cars, trucks, buses, engineering vehicles and operate taxis, you can apply for a car loan like Mr. Zhao. Generally, this kind of loan does not exceed 80% of the purchase price, and the loan period does not exceed 5 years. Develop credit resources. Ms. Li wants to open a cosmetics chain. According to the requirements of the headquarters, she needs to pay 50 thousand yuan for various expenses. She has 65,438+00,000 yuan in cash and a deposit certificate of 50,000 yuan. She originally planned to withdraw in advance, but the bank financial planner calculated that the income she handled was 2244 yuan more than the early withdrawal. As a result, she handled a small amount in the bank, which not only raised venture capital in time, but also avoided the interest loss of early withdrawal. The starting point of the certificate of deposit is generally 5,000 yuan, and each loan does not exceed 80% of the pledged denomination. Under normal circumstances, loans can be obtained at bank outlets on the same day. In addition, you can easily get loans from banks for government bonds and life insurance policies. The Measures for Voucher-type Treasury Bonds stipulates that all voucher-type treasury bonds issued after 1999 (inclusive) can be used for treasury bonds. The starting point of national debt is 5000 yuan, and each loan does not exceed 90% of the denomination of pledged national debt. Of course, if you get the written consent of your relatives and friends and show your valid identity documents, you can also use your relatives' certificates of deposit, voucher-type government bonds and life insurance policies.