Which company in Beijing has good bank credit loans?

1. Bank: Ping An Bank, suitable for legal persons to work. Non-bank loans should not appear in credit information. The working hours of the company should be 6 months, and the monthly repayment amount of credit loans and credit cards should not exceed 75% of the monthly income. Bank of Nanjing, mainly engaged in the friendly credit investigation of customers who work in provident fund mortgage houses, can't have non-bank loans for the fifth time, and basically the liabilities can't exceed 75% of the monthly liabilities 1 year, so the provident fund can be regarded as the identification of the work unit. CCB, decoration loan and consumer loan must have wealth management in CCB, or CCB's salary or CCB's credit card is used for special purposes. If your work unit is a white list of banks, direct credit. If you don't suggest it, don't try to check the credit information once.

2. Non-bank credit information: Ping An Pratt & Whitney's mortgage car provident fund has passed the comprehensive credit information, and it is less difficult to inquire six times in two months than the bank's credit information. 50 Sunshine Xinbao's mortgage car loan has passed the comprehensive credit in two months, and the difficulty has been lower than that of the bank's credit. The comprehensive rate is 0.8, with a maximum of 50. The mortgage car of Pacific Property Insurance has passed the comprehensive credit for six times in two months, which is less difficult than the bank's credit.

1. How long is the loan term?

The loan term is chosen by the user himself, and the loan will not force the user to choose the loan term. But when the loan term cannot be selected, that is, there is only one loan term to choose from, then users must choose this loan term if they want to apply for a loan successfully. Therefore, although you can choose the loan term independently, there are several options, depending on how many years the lending institution provides.

The loan life of most short-term loans varies from 1-3 years, while online loans are generally short-term loans, and users can only apply for loans for up to 3 years.

2. What is the five-level loan classification system?

Commercial loans are divided into five categories according to the degree of inherent risk: normal, concerned, secondary, suspicious and loss. The five-level loan classification system means that banks mainly determine the risk degree of loan loss according to the borrower's repayment ability, that is, the actual ability to repay the loan principal and interest. The latter three categories are called non-performing loans.