What are the conditions for farmers’ loans in Chengdu? Can non-locals get loans to buy houses in Chengdu?

In rural areas, many people’s savings are only enough for their own living, but if they want to start a business, buy a house, etc., they need to borrow money. Once they borrow money, many people will think of credit unions and banks. So what are the conditions for farmers in Chengdu to get loans? Can non-locals get loans to buy houses in Chengdu?

1. What are the requirements for farmer loans in Chengdu?

There are many ways to get loans to farmers, and the conditions required for each method are different. For details, please see below:

1. Merchant loan conditions: When farmers operate shops, stores and other shops, they only need to hold a qualified business license issued by the industrial and commercial department and other relevant documents.

2. Loan conditions for breeders: Those who raise various poultry must have a certain scale and meet the needs of local lending institutions.

3. Rural "three rights" loan conditions: This type of loan is currently only piloted in some areas, so if you want to use this loan method, you need to consult the local relevant departments. If possible, you can prepare mortgage loans for rural collective commercial construction land use rights, land contracting and management rights, and farmers' housing property rights.

4. Other mortgage loan conditions: Farmers can use legally acquired cars, properties, etc. as collateral for loans.

5. Conditions for personal entrepreneurship loans: If farmers already have certain production and management capabilities or are already engaged in production and management, they can apply directly to the bank, but a certain scale is required.

It should be noted here that each type of loan condition will require different information depending on the situation. For specific loan conditions, please go to the bank where you are borrowing to consult.

2. Can non-locals get loans to buy houses in Chengdu?

Non-locals can get loans to buy houses in Chengdu. When buying houses with loans in Chengdu, the appraisal price is generally lower than the actual purchase price. The down payment is generally 30% of the appraisal price. It has now been adjusted to 25%, but not all banks can implement it. In other words, the insurance estimate is that 70% of the loan is required. However, the following conditions must be met:

Non-local resident families who do not own a home in Chengdu's main urban area can purchase one home in the city's main urban area with proof of tax payment or social insurance payment for more than one year, and are allowed to temporarily suspend the purchase of a second home. Non-local resident families who cannot provide proof of tax payment or social insurance payment in this city are suspended from purchasing housing in the main urban area of ​​Chengdu.

The specific handling process is as follows:

1. If the buyer has his own company, he only needs to bring 3 months of tax receipts, the original business license, ID card, household registration booklet, and marriage certificate.

2. If it is a general loan, you will need an income certificate from your employer, the household registration booklet of both husband and wife, marriage certificate, and ID card.

It should be noted that in terms of proof of income, there is no limit on the loan term for those with the ability to repay, but there are requirements for the loan term for men aged 45 and above and women aged 40 and above, because the maximum loan term is 20 years, which means that men can be up to 65 years old. If the borrower is a 50-year-old male, then the maximum loan term is 15 years.

In general, the conditions for farmers' loans in Chengdu depend on what you are applying for the loan for. If you are raising poultry, you need to have a certain scale and meet the needs of local lending institutions. For details, you can consult the local relevant departments. If a non-local wants to buy a house in Chengdu, he can get a loan, but he must submit a tax payment certificate or social insurance payment certificate for more than one year in the city, so that he can buy a house in the main urban area of ​​the city.