This loan product is a guaranteed loan promoted by Jiaxing Bank, and it is a personal comprehensive consumption loan. Loans can be used for car purchase, home decoration, consumer loans for durable goods, tourism, education and so on. The longest term of home decoration loan is 5 years, the longest term of large durable consumer goods loan is 3 years, the longest term of education loan is 4 years after graduation, the longest term of domestic tourism loan is 1 year, and the longest term of overseas tourism loan is 3 years. The maximum loan amount is 70% of the actual expenses paid by the borrower.
Product advantages:
1, the guarantee method is flexible.
2. The repayment method is flexible.
3. The loan term and amount are flexible.
Loan terms:
1, a national resident with full capacity for civil conduct;
2. Have a valid identity document and a fixed and detailed address in Jiaxing;
3. Have a stable legal income, the ability to repay the loan principal and interest on schedule, and a good personal credit;
4. Willing to truthfully provide the application materials required by the lender and the effective guarantee recognized by the lender;
5. Agree to open a personal settlement account with principal and interest in our bank;
6. The consumption purpose is true, and the prescribed down payment funds have been paid.
Application materials:
1, indicating the loan application for various consumption purposes;
2. The identity certificate, household registration certificate, marital status certificate and income certificate of the borrower, repayment partner and guarantor;
3 mortgage, pledge or guarantee documents, including mortgage ownership certificate, pledge right certificate or guarantor's guarantee contract;
4. Legal certification materials to prove normal consumption purposes;
5. Other materials required by the credit bank.