How to open a loan?
1. Here we mainly explain the process of bank (credit/mortgage) loans and personal online loans. Private lending has nothing to do here. Remember to seek formal and reliable lenders and avoid falling into the usury trap! Remember not to borrow 10000, but to write an IOU of 20,000!
2. Those who meet the conditions for applying for bank loans can submit corresponding qualification certificates and property certificates at the outlets (banks are different, please consult the staff of the nearest outlets for details), wait for the bank personnel to review the notice, sign a contract and issue loans.
3. Generally, the amount of bank loans is high and the interest rate is low, but the examination and approval time is long, the credit is 5-7 working days, and the mortgage 10-30 working days are strict, so it is best to pay in one lump sum; If you have a large deposit certificate in the bank, it can also be used as an auxiliary proof of financial resources.
4. If you want to apply for a personal credit loan, you can apply for it quickly through the credit loans of some commercial banks (such as China Merchants Bank and China Construction Bank, which have related credit loan zones) and online credit platforms. Generally, you need to provide the original ID card, contact information and other certificates, such as income proof, provident fund quota inquiry, third-party XX credit authorization inquiry, etc.
5. The application amount of credit loan is different, and the difficulty and detail of the required information are also different. (Compared with bank mortgage loans, the loan amount is generally lower and the interest rate is higher, but the approval time is short, and the loan amount can be received within 24 hours to 7 working days. )
Is it reliable to apply for loans online?
1, online lending is best to be a platform with little contact, because online lending is harmful, not only the interest is high and the amount is low, but also it is easy to fall into online lending, that is, the rhythm of robbing Peter to pay Paul will never end. It is also because the threshold for online lending is low. Fill in some basic information online and you can apply for a quota, which is usually several thousand dollars. How many platforms do I have to apply for to make up 10 thousand? Overdue repayment has also become complicated.
2, online loans will also have the same shield data, which will affect your credit. It is easy to get into the blacklist of online loans if you apply more. Many people don't know the harm of online lending, but only know that online lending is fast and convenient, but please remember that behind the speed and convenience, you also need to pay a certain price.
3. It's like a pie in the sky to get a loan with an ID card. Do you believe this routine? It's all pits. It's not that easy. This kind of loan is actually similar to usury. Would you like to have a try? It's all well publicized You can borrow as much as you want with your ID card. If you believe it, it can only show that your loan awareness is too weak.
For friends who are new to mortgage, if they want to apply for a loan, it is recommended to find a formal online loan company so as not to make their own interests outweigh the benefits. This is an introduction about how to open a loan and how to apply for a loan online. When applying for a housing loan, everyone must pay attention to the specific procedures and prepare their own relevant materials and certificates.