What are the procedures for handling consumer finance loans?

Abstract: With the increasing popularity of the concept of early consumption, many consumers now choose to apply for consumer finance loans. Many people don't understand the processing flow of loans from consumer finance companies. After consumers choose their favorite products, they can directly find the in-store sales representative to buy them in installments, and the sales representative can help consumers fill out the application form according to the rules. When making consumer financial loans, we should pay attention to consumer finance, loan amount and other issues, and then let's take a look with Bian Xiao. What are the procedures for handling consumer finance loans?

1. When consumers choose their favorite products, they can directly ask the in-store sales representative to buy them in installments.

The sales representative will immediately assist the consumer to fill in the application form on the spot.

If the consumer's application is passed and all relevant procedures are completed, the consumer can take the desired goods home.

4. After that, the consumer will receive the customer handbook provided by the consumer finance company, which contains all the loan-related information and installment repayment of the customer, and the consumer can repay the loan on time according to the repayment guidelines.

What are the loan points of consumer finance?

1, loan term: 1 ~ 10 year.

2. Loan amount: minimum 50,000 yuan.

3. Mortgage rate: The maximum loan amount of mortgaged real estate shall not exceed 65% of the assessed value of collateral. Office buildings, commercial buildings and villas facing the street shall not exceed 50% of the assessed value of collateral.

4. Repayment method: equal principal and interest.

5. Borrower's age: The sum of the borrower's age and the loan period shall not exceed 60 years old. Personal consumption loans are offered to China citizens who are over 18 years old, have no bad credit record in the banking system and have full capacity for civil conduct, and do not accept property owned by minors as collateral.

6. Collateral: commercial housing, cost housing, villas, shops and office buildings. Have full property rights in the name of individuals in Beijing urban area and outer suburbs. The minimum construction area of the mortgaged property shall not be less than 30 square meters.

7. Age: The sum of the age of the mortgaged property and the age of the loan cannot exceed 30 years in principle.

8. The benchmark interest rate will be applied to the loan interest rate, which will rise by a certain percentage according to the nature of the house and the mortgage interest rate. For Shenfa VIP customers or other key customers of CCB, floating interest rates can be implemented.

9. When the Housing Authority signs the loan contract and goes through the mortgage registration formalities, the borrower and the property owner must be present.

10. When withdrawing money, the borrower can bring his/her ID card to the bank to withdraw money or go through the formalities of withdrawing the card in our company.

1 1. The borrower must be the property owner, and residents of other provinces and cities must provide temporary residence permits and long-term residence certificates. If the borrower has a college degree or above, proof of academic qualifications shall be provided.

12. In order to improve the borrower's approval success rate, the customer can provide additional proof of income.