Jiangyin loan center

Mortgage interest rates in Jiangyin is 7.38. According to relevant public information, at present, the benchmark annual interest rate of domestic loans over five years is 6. 15%, and the banks in Jiangyin market in Wuxi basically increase the benchmark interest rate by 20%.

In June, 2022, Jiangyin Bank lent out 65,438+million-year interest.

On June 5,438+10, 2022, Jiangyin Bank made a loan with an interest of 4,350 yuan for 11 years. The bank interest rate is based on the benchmark interest rate, and the annual loan interest is1000004.35%1= 4350 yuan.

Jiangyin Rural Commercial Bank Jiang Xiaoyu Loan Interest Rate

Annual Interest Rate of RMB Loan Interest Rate Project of Jiangyin Rural Commercial Bank (%)

I. Short-term loans within one year (including one year) 4.35

Two, medium and long-term loans for one to five years (including five years) 4.75 more than five years 4.9

Jiangyin Rural Commercial Bank, formerly known as Jiangyin Credit Union, is a local joint-stock commercial bank initiated by Jiangyin enterprises and natural persons with the approval of the head office of the central bank on the basis of 35 corporate credit cooperatives and 3 urban credit cooperatives in Jiangyin. It is one of the first three joint-stock rural commercial banks in China. Jiangyin Rural Commercial Bank adheres to the corporate mission of "integrating the world and prospering thousands", firmly serves the countryside, adheres to the market positioning of serving small and medium-sized enterprises and small and micro enterprises, adheres to the service concept of "being closest to you" and promotes the enterprise spirit of "diligence, thinking and harmony". In vigorously supporting the economy and society, various businesses have achieved rapid and stable development, and comprehensive economic benefits are in the province. The total scale of deposits and loans ranks among the best in all financial institutions in the city and has made great contributions to the development of local economy. Opening up promotes development and unswervingly carries the future. With the deepening of rural financial system in China, Jiangyin Rural Commercial Bank is moving towards the goal of building a lean public bank.

1. The 20021year semi-annual report issued by Jiangyin Bank shows that by the end of June 20021year, the total assets of Jiangyin Bank were1463.55 billion yuan. Total deposits reached112.69 billion yuan, an increase of 9.6 billion yuan or 9.3% over the beginning of the year. The total loans amounted to 90.75 billion yuan, an increase of 65.438+0.052 billion yuan, or 65.438+0.3.1%,or 46.5438+300 million yuan over the beginning of the year. It is worth noting that the bank's non-performing loan balance and non-performing loan ratio have continued to decline, the lowest since listing, and the asset quality has steadily improved. On September 2, 20 16, Jiangyin Bank was listed on Shenzhen Stock Exchange, becoming the first rural commercial bank with A-share listing in China, which made great contributions to the development of rural finance.

Today is the fifth anniversary of Jiangyin Bank's listing. In the past five years, Jiangyin Bank has grown in step with the local economy, and embarked on a characteristic development road of combining operational benefits with social benefits, insisting on carrying forward initial intentions and steady operations: the total assets increased from 65.438+00409 billion yuan at the end of 2065.438+06 to 65.438+04636 billion yuan at the end of 2026.38+0, an increase of 40.6%. The five-year operating income is 65.438+0.653 billion yuan, and the net profit attributable to the parent company is 4.99 billion yuan; The NPL ratio of the whole bank decreased from 2.4 1% at the end of 20 16 to 1.48% at the end of 200216, a decrease of 0.93 percentage points in five years. The provision coverage ratio increased from 170.4% at the end of 20 16 to 284.3% at the end of 200216, which increased by14 percentage points in five years. Since its listing, Jiangyin Bank has accumulated cash dividends of 1.3 1 billion yuan, and its brand value has been continuously improved. It has successively won the honors of Global Bank 1000 Top, China Top 500 Service Enterprises, China Local Finance 10 Top Rural Commercial Bank, and the most competitive small and medium-sized banks.

How about managing real estate mortgage loan in Jiangyin, Jiangsu? Four advantages tell you!

Jiangyin, located in Jiangsu Province, is a region with beautiful scenery and developed economy. Many small and medium-sized enterprises are developing locally, but many enterprises are facing difficulties. If you have average qualifications and good credit, you can try to apply for a mortgage loan with the operating property under your name. Today, let's introduce the mortgage loan for operating real estate.

1, loan purpose

There are many types of corporate loans, but most of them are earmarked, some of which are directly connected with cooperative institutions, and some will limit the use of loans. Operating property mortgage loan can be put forward directly, which has a wide range of uses and can solve many problems of enterprises. For self-built properties, it can be used to replace debt funds and self-owned funds that exceed the prescribed proportion of project capital, that is, to replace the self-owned funds belonging to enterprises.

2. Term of loan

Small and medium-sized enterprises apply for general mortgage loans, and the loan period is between 1 and 5 years. In just a few years, enterprises will have to repay them in installments, which is quite stressful. The longest loan period of operating real estate mortgage loan can reach 10 year, which enables enterprises to obtain long-term and stable funds.

3. The repayment method is flexible

There are many repayment methods for operating real estate mortgage loans. Enterprises can freely choose according to their own conditions, and they can choose to take the proceeds from the loan bank, so that the bank can not only supervise the use of funds, but also ensure the timely repayment of loans, and minimize the repayment pressure of enterprises.

4, the process is simple

Operating property mortgage loan is mainly to audit the value of collateral and the cash flow of enterprises, so the bank audit process is relatively simple, without too complicated information, and the enterprise loan efficiency is very high.

Which loan company in Jiangyin is reliable?

Jiangyin Credit Company Jiangyin Xinyou Rural Credit Co., Ltd. According to relevant information, it is understood that the loan company of Jiangyin City, Zhongjiang Yinxin Rural Co., Ltd., is a very good company. The company's business license is also a contract term, and its legal representative is Zhao Xueqin, and there is no illegal act. The credit of corporate loans is also very high, so Jiangyin Xinyou Rural Co., Ltd., a loan company in Jiangyin, is reliable.

Down payment ratio of improved housing loans in Jiangyin

The down payment ratio of Jiangyin's improved housing loan is generally 30%, but the specific ratio still depends on your loan application conditions, such as your income, loan amount and loan term. In addition, Jiangyin government has also introduced a preferential policy of housing loan interest rate, which can save you the loan cost.