The company is committed to market development such as personal consumption credit and enterprise financing, and provides specialized loan guarantee, investment and financial management and all-round supporting services for individuals and enterprises. With years of industry management concept, standardized market operation, fine management mode and high-quality and efficient service, the company has won unanimous recognition from all cooperative banks in Beijing, won wide acclaim from customers, and enjoyed high popularity and credibility in the industry and society. The company focuses on customers who need personal and corporate loans, creating a brand-new win-win development model with customers. The company has a professional team proficient in finance, tax policy, laws and regulations, real estate and other related knowledge. All employees have undergone professional and strict business training, and have a unique understanding of the industry and experience in solving practical problems.
Real estate mortgage loan, unlimited use, the highest real estate assessment value can reach the market price, high evaluation and high loan; A number of banks cooperate with each other, circulating credit, controllable balance, and saving interest and funds as much as possible; Pay interest on a monthly basis, repay the principal at maturity, recycle it during the credit period, and the mortgaged property can be operated.
Personal revolving loan refers to a personal loan business in which a natural person applies for and provides a guarantee or credit condition that meets the requirements of the bank (generally real estate is used as collateral), and the borrower is granted the highest amount of credit with the approval of the bank, and the borrower can repay it with the loan within the validity period.
Advantages of personal revolving loan:
Balance control and recovery: loans are balance control. Within the limit and time limit, the borrower can match the amount of each use by himself. After the loan is returned, it can continue to be recycled until it reaches the highest balance or expires;
◆ Ultra-high amount: the loan amount is only limited by the borrower's credit and guarantee method, and the maximum loan amount can reach 70% of the real estate appraisal value, which is much higher than the overdraft limit of the credit card;
◆ Pay back as you borrow, and use money flexibly: customers can handle it at any time, with flexible methods and repayment;
◆ Maximize interest saving: the loan interest is the bank's benchmark interest rate (5.3 1%-5.94%), and the customer does not bear interest when obtaining the line, and only calculates according to the actual number of days when actually using the money, so as to minimize the customer's cost of using the money;
◆ Financial management function: it can be used as needed, which not only solves the short-term turnover difficulties of customers, but also does not increase the loan interest.
Characteristics of personal revolving loan:
◆ Guarantee methods: mortgage, pledge, guarantee and credit. Four ways can be selected in combination;
◆ Loan amount: The collateral is determined according to a certain proportion of the bank's recognized value, with a maximum of 70%;
◆ Term of credit line: The longest validity period of credit line is 20-30 years, and it will automatically expire after expiration and cannot be used any more;
◆ Loan interest rate: it shall be implemented according to the loan interest rate of the People's Bank of China for the same period and the floating regulations of relevant bank interest rates;
◆ Repayment method: The customer can choose to pay the equal principal and interest monthly (quarterly) or with the principal.
For example, in 20 years, 654.38+0 million is a revolving credit loan, and the mortgage is 654.38+0 million, which can be recycled within 20 years. For example, you only need 400,000 yuan now, you can use it as long as you want (no more than 20 years), and only pay 400,000 yuan in interest, which saves interest. It doesn't take more than 20 working days from the beginning to getting the money.