First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.
Third, the credit record is good and there is no bad credit record.
Fourth, it can provide legal and effective guarantee recognized by the lender.
Fifth, other conditions stipulated by the lender.
Generally meet the above conditions, you can apply for loans from relevant institutions or individuals.
Question 2: What should I pay attention to when lending? 1, Ping An Property Insurance mentioned by the bank should be guarantee insurance, that is, Ping An Company gives you a credit guarantee.
Because you have no other collateral, you must have a guarantor. Now all insurance companies have this business, which is similar to biting witnesses.
3. Insurance companies also earn some business.
4, so, nothing, just do it if you want, there is no such thing as a free lunch.
5. This is equal repayment of principal and interest, that is, interest and principal are repaid together. On average, equal repayment is a normal business.
Question 3: what conditions do I need for a loan, such as real estate, ID card, personal credit record, etc ... specifically, I want to ask where I lend you a loan, and what is needed in each place is different.
Question 4: What are the conditions for private lending (1)? Legal private lending must be voluntary lending by both parties.
(2) Legal private lending funds must belong to the lender's own funds.
(3) Legal private lending prohibits absorbing other people's funds and transferring them.
(4) The interest of legal private lending shall not exceed the upper limit stipulated by the state (four times the interest rate of bank loans in the same period).
(5) The purpose of legal private lending must be legal, and it is not allowed to provide loans for others to engage in illegal activities.
(6) Legal private lending does not include inter-enterprise lending, and inter-enterprise lending does not belong to the category of private lending.
(7) Other lending behaviors that violate laws and administrative regulations are invalid.
Question 5: What are the conditions for a loan? Collateral, good credit, social security, unit company
Question 6: How to apply for a bank loan? What are the requirements for applying for a loan through our bank? Generally, the loan handling bank will first review the customer's loan purpose (different loan products correspond to different purposes), and the loan purpose can meet the requirements before applying. At the same time, it will comprehensively evaluate factors such as collateral, personal credit and repayment. In addition, the loan amount, interest rate, term and other factors need to be combined with the comprehensive factors such as the business type, credit status and guarantee method you apply for, and can only be determined after approval by the handling outlets. For details, please contact the nearest loan handling bank of China Merchants Bank.
If you have any other questions, please visit Online Customer Service (website: forum.cmbchina/cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!
Question 7: What are the requirements for Alipay's personal loan? Look at Baidu's experience:
jingyan.baidu/...0
Question 8: What are the terms of the loan? Ok, working class, what information do you need to submit for the loan? 1. Id 2. Household registration 3. Labor contract/employment certificate. Payroll card bank flow (details of bank cards/passbooks commonly used for six consecutive months), proof of income (if there is no payroll card flow or only cash payment, it should be submitted) 5. Fixed phone bill (at least 3 months, user name is me) 6. Details of mobile phone calls (at least 5 months, mobile phone real-name authentication is required first) Suggestions for improving credit: 7. Marriage certificate and education certificate (education certificate may not be submitted) 8. Work permit or student ID card, business card, dispatch card 9. Temporary residence permit, residence certificate, house lease contract and real estate license (registration certificate or sales contract) 10. Motor vehicle driving license or driver's license, stock certificate, insurance subscription certificate 1 1. Bills for utilities, cable TV, gas, insurance and property 12. Credit card statement 13. Personal credit report. What information does an enterprise legal person or individual operator need to submit for a loan? 1. ID card, 2. Household registration, 3. Business license (original and copy), tax registration certificate (original), organization code certificate and other enterprise information. 4. Details of ordinary bank cards/passbooks for six consecutive months. 5. Company site lease contract. 6. Fixed telephone charges (at least three months, the account name is company or individual). 7. Mobile phone call list (at least 5 months, mobile phone real-name authentication is required first). Suggested information to improve credit is as follows: 8. Marriage certificate, education certificate (or education certification) 9. Enterprise tax payment certificate, personal business card 10. Temporary residence permit, residence certificate, house lease contract, real estate license (registration certificate or sales contract) 1 1. Motor vehicle driving license or driver's license, share certificate and certificate of conformity. 14. Personal credit report Taobao big seller, what information does the loan need to submit? 1. ID card, 2. Household registration. 3. Business license (original and photocopy), tax registration certificate (original) and organization code certificate (if there is a physical store, the above information shall be submitted). Details of ordinary bank card/passbook running for six consecutive months. 5. Taobao Store Alipay cash withdrawal flow (more than 6 months). 6. Company site lease contract. Fixed telephone fee (at least 3 months, the account name is myself). 8. Mobile phone call list (at least 5 months, mobile phone real-name authentication is required first). 9. The store belongs to me and needs to be verified by Taobao. It is suggested to provide the following additional letter documents: 10. Marriage certificate and education certificate (education certificate is not required) 1 1. Enterprise tax payment certificate, personal business card 12. Temporary residence permit, residence certificate, house lease contract and real estate license (registration certificate or sales contract) 13. 16. Personal credit report. What materials should be submitted for student loans? 1. Id 2. Student ID 3. Details of ordinary passbook or bank card (more than six months) 4. Collective household registration book (if it is convenient to submit) 5. Details of mobile phone calls (at least five months, mobile phone real-name authentication is required first) It is recommended to provide the following information to improve credit: 6. Library card, dormitory card, student ID card 7. Report card, scholarship certificate. Class cadre certificate, club activity certificate 9. Various honorary certificates and social returns (such as blood donation and voluntary teaching, etc.). ) 10. annual tuition and accommodation fee deduction (or payment) certificate 16544.
Question 9: What are the requirements for applying for a loan? 1, collateral 2, guarantor 3, repayment ability. My friend asked for these when he borrowed money. I don't know what you need.
Question 10: What are the requirements for Taobao loan to have a certain reputation?
What are the application conditions for Taobao shop owners to apply for loans? What are the loan products of Taobao Loan? According to the data of Taobao loan website, Taobao loan is currently divided into order loan, loan-to-loan (3 months), loan-to-loan (6 months) and equity loan (12 months). When I moved the mouse to loan-to-loan (3 months), the webpage showed "Dear, this service has been suspended, thank you for your attention". In addition, the guarantee company also provides e-commerce enterprises with goodwill pledge financing guarantee, that is to say, with the "diamond" on Taobao, they can apply for loans from banks.
1, Taobao order loan application conditions and loan interest rate
Application conditions: Store registrant 18 years old or above, with full civil capacity of Taobao seller; Taobao shop has been operating effectively in the last two months, with effective trading volume every month; Honest and trustworthy, the store has a good credit record. The current daily interest rate of the order loan is about five ten thousandths, that is, the loan interest of 10000 yuan is 5 yuan a day; The loan interest is calculated according to the actual amount used and the number of days, and the interest is calculated on the loan date, excluding the interest on the repayment date.
2 loan application conditions and loan interest rate (6 months)
Application conditions: 1) Taobao Store has been operating effectively in the last 6 months, with effective monthly trading volume and good operating conditions; 2) Store registrant 18-65 years old. Secondly, the credit loan is the result of whether the system can give loans according to the comprehensive situation of the store operation (related to the store operation data, such as the store's favorable rate, refund rate, deduction points, penalties, complaint points, etc.). For a credit loan with a credit period of 6 months, the daily interest rate is about 6/10,000/day (i.e. 0.06% per day), and the daily interest of 1 10,000 yuan is 6 yuan money.
3. Average capital (12 months) loan application conditions and loan interest rate.
Application conditions: 1) Taobao Store has been operating effectively in the last 6 months, with effective monthly trading volume and good operating conditions; 2) Store registrant 18-65 years old. Secondly, the credit loan is the result of whether the system can give loans according to the comprehensive situation of the store operation (related to the store operation data, such as the store's favorable rate, refund rate, deduction points, penalties, complaint points, etc.). For credit loans with a credit period of 12 months, the daily interest rate is 0.05%, and the loan is 1 10,000 yuan, and the daily interest rate is 5 yuan money.
There have been successful cases about online store credit rating mortgage financing. Jieyang Boda Financing Guarantee Company accepted goodwill as the main pledge for the first time, providing guarantee for an e-commerce enterprise and helping it obtain a bank loan of 500,000 yuan. The enterprise that obtained financing is an e-commerce enterprise that deals in clothing, with an annual flow of 7 million yuan, but it lacks fixed assets as collateral.
In addition, Taobao shop owners can also apply for credit loans from banks, and they need to provide ID cards, household registration books, personal income certificates and other relevant application materials that banks need, and banks will review and investigate the submitted application materials; After the bank checks it correctly, the borrower and the lender sign a loan contract. After the loan is successfully obtained, the bank lends money, the applicant uses the loan, and the borrower needs to repay the loan on time according to the contract.
Hope to adopt. Thank you.