If you need to apply for a personal loan, it is recommended to choose a bank channel.
If you have a savings card of China Merchants Bank, you can log in to China Merchants Bank's mobile banking and click Home → All → Loan → I want a loan → Try to apply for a good loan.
Loan amount: the minimum is not less than 500 yuan, and the maximum is 200,000 yuan, but the specific amount is subject to the results displayed by the system after your application is approved;
Repayment method: equal repayment of principal and interest;
Loan term: 3, 6, 12, 18 and 24-month installments are supported;
Borrowing cost: the daily interest rate is 0.045%, please refer to the actual display in the interface; There is no platform service fee.
Second, the company training materials
See what kind of loan you want to apply for. Whether to buy a house, a store or a car, and so on.
I suggest you try to search for the loan information you want at Universiade.
Please note:
1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;
2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;
3. Guarantor;
4. Age limit of the borrower: the age loan period for men shall not exceed 60 years, and the age loan period for women shall not exceed 55 years;
5. Customers blacklisted in the credit information system cannot apply for loans;
The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.
It usually takes about 1 month to get a loan.
Finally, the lender's credit record is good. If the fee does not go through an intermediary company, it needs appraisal fee, mortgage fee, stamp duty, etc. The appraisal fee is large, which is generally 0.5% of the appraisal price. The house of 654.38+ 10,000 yuan is appraised in 500 yuan, and the mortgage fee and stamp duty 100 yuan. Consult specific banks for other fees.
Third, the company training materials
If the interest rate is uncertain, you can apply at the local bank.
Application slip
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. No bad credit record and loan.
5. Other conditions required by the bank.
do
1, to the local bank or loan.
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
4. What positions are needed within the company?
The first is the general manager (who knows how to operate and manage), the second is the risk manager (who knows how to identify and control risks, which is very important for the healthy and sustainable development of small loan companies), the third is the salesman (who knows the basic knowledge of credit and has the best business resources), and the second is the financial personnel (who knows how to avoid taxes reasonably).