Is Hong Zhong's loan reliable ... Go ahead.
Lawyer Tang Xiao.
Financial observer
lawyer
Consulting became the 5798th fan.
Hong Zhong Loan This is a small loan platform, not a formal loan platform, and it is not reliable. It is not recommended that you apply for a loan on such a platform, and there will usually be illegal charges.
Conditions for applying for loan business:
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information and no bad records;
5. Other conditions stipulated by the bank.
It is really a good financing channel for people who are in urgent need of money and can't borrow money from others. What are the requirements for applying for a small loan from a bank? Let me talk about the application conditions for a loan first: First, the lender is generally 18 to 60 years old, so it is enough to be responsible for what he has done. Professionally speaking, it is full capacity for civil conduct. In order to improve the quality of customers, some banks will limit the age of customers to 2 5 to 50 years old. Isn't it unfair that people under 25 and over 50 can't apply? In fact, this situation is understandable, because from the perspective of bank loans, if you are too young, you can't afford the loan, and if you are too old, you may have to say goodbye one day. Lending money will be used in Shui Piao. Lending banks are not money-making machines, are they? 2. The average monthly income of the lender is 2,000 yuan, and the lender has the basic conditions for bank loans and can obtain the minimum loan. Small loans are few, but they can solve problems. Of course, the more your monthly income, the more the bank will like you and lend you money. If your monthly income is more than 5000 yuan, it is estimated that you are a quality customer of the bank and you will have a great sense of accomplishment. You used to have a long relationship with the bank. Why are you so enthusiastic all of a sudden? Ha ha. You can borrow 20,000 to 30,000 yuan a month, and it is not a problem to borrow 200,000 yuan for more than 5,000 yuan. Third, the premise of the lender's career is stability, and the unstable usury is too lazy to pay attention to you. Banks like loans with stable jobs, such as teachers and civil servants, which are all treasures of banks. When you have a stable job, you are a white-collar worker in a small city with a monthly income of more than 2,000 yuan, so a loan of 50,000 to 60,000 yuan will be fine. If you are an elite, such as a lawyer, a certified public accountant, a professional manager or an employee of a Fortune 500 company, then the bank really loves you. Therefore, micro-lending can't be called micro-lending, only an elite loan, and it is too little for the bank to lend you 200,000 yuan.
Bank microfinance is basically the above three conditions, plus the credit status compared with the lender's own credit record. It is really a good financing channel for people who are in urgent need of money and can't borrow money from others. What are the requirements for applying for a small loan from a bank? Let me talk about the application conditions for a loan first: First, the lender is generally 18 to 60 years old, so it is enough to be responsible for what he has done. Professionally speaking, it is full capacity for civil conduct. In order to improve the quality of customers, some banks will limit the age of customers to 2 5 to 50 years old. Isn't it unfair that people under 25 and over 50 can't apply? In fact, this situation is understandable, because from the perspective of bank loans, if you are too young, you can't afford the loan, and if you are too old, you may have to say goodbye one day. Lending money will be used in Shui Piao. Lending banks are not money-making machines, are they? 2. The average monthly income of the lender is 2,000 yuan, and the lender has the basic conditions for bank loans and can obtain the minimum loan. Small loans are few, but they can solve problems. Of course, the more your monthly income, the more the bank will like you and lend you money. If your monthly income is more than 5000 yuan, it is estimated that you are a quality customer of the bank and you will have a great sense of accomplishment. You used to have a long relationship with the bank. Why are you so enthusiastic all of a sudden? Ha ha. You can borrow 20,000 to 30,000 yuan a month, and it is not a problem to borrow 200,000 yuan for more than 5,000 yuan. Third, the premise of the lender's career is stability, and the unstable usury is too lazy to pay attention to you. Banks like loans with stable jobs, such as teachers and civil servants, which are all treasures of banks. When you have a stable job, you are a white-collar worker in a small city with a monthly income of more than 2,000 yuan, so a loan of 50,000 to 60,000 yuan will be fine. If you are an elite, such as a lawyer, a certified public accountant, a professional manager or an employee of a Fortune 500 company, then the bank really loves you. Therefore, micro-lending can't be called micro-lending, only an elite loan, and it is too little for the bank to lend you 200,000 yuan. Bank microfinance is basically the above three conditions, plus the lender's own credit record is better.