Reliable. Hangzhou Hangyi Rongdai is a loan company. The company was founded in 2022. According to official website's inquiry, Hangzhou Hangyirong Loan Company learned that it is a regular company protected by official website's certification law, and its business scope is within the scope permitted by law, which is very reliable. The company is mainly engaged in technical exchanges, entrusted by financial institutions to engage in information technology and process outsourcing services, and enterprise management consulting.
Hangzhou bank loan
Bank loans in Hangzhou are divided into housing mortgage loans, vehicle mortgage loans, personal consumption credit loans, personal commercial credit loans and enterprise credit loans. Different types of bank loans in Hangzhou have different requirements for customers. But there is a * * * similarity, that is, both mortgage loans and credit loans require customers to have a good credit record, and the amount is determined according to the actual income and credit information of customers. Moreover, mortgage loans have other requirements for customers.
1, housing mortgage loan
Housing mortgage loans in Hangzhou bank loans are divided into operating, consumer and decoration mortgage loans. The same requirement is that there must be a set of commercial housing with at least 50 square meters and no final payment under the name; As long as the customer is married, both husband and wife must sign and agree whether there is a spouse's name on the real estate license. Operating mortgage loan means that the borrower owns platforms such as enterprises or self-employed, and the loan is mainly used for the purchase deposit of companies or raw materials. This requires that the customer's platform must be established for more than one year, running normally and in good operating condition. Consumer mortgage requires both husband and wife to have a fixed income by punching in, and can provide proof of income designated by the bank.
2. automobile mortgage
To make a car mortgage in Hangzhou, you must have a "Zhejiang A" license and buy a car after 2009. If you don't take the bus, you need to have a house in Hangzhou under the borrower's name (affordable or self-built), or find a friend who has a house in Hangzhou as a guarantor to mortgage your ID card, vehicle registration certificate and spare key.
The requirements for bank loans in Hangzhou are roughly divided into the above items. Usually, as long as the borrower has a good credit record and sufficient repayment ability, he can basically go to the bank to operate the loan.
What are the requirements for a loan in Hangzhou?
If you need to apply for personal small loans in Hangzhou, you should know this: Small loans refer to RMB small credit loans issued by banks to borrowers for their daily consumption and business turnover.
Loan terms:
1. A natural person aged 22 to 50 with full capacity for civil conduct;
2. Having a stable job or residence in the place where the financial institution is located;
3. It has a predictable repayment source, good credit status, good repayment will and the ability to repay the loan principal and interest on schedule.
Loan application materials:
1, valid identity documents, household registration certificate, marital status certificate and real estate license of myself and my spouse;
2. Occupation and income of oneself and spouse;
3. Proof of loan use;
4. Other information required by banks Different types of bank loans in Hangzhou have different requirements for customers. But there is a * * * similarity, that is, both mortgage loans and credit loans require customers to have a good credit record, and the amount is determined according to the actual income and credit information of customers. Moreover, mortgage loans have other requirements for customers. 1. Housing mortgage loan: Housing mortgage loan in Hangzhou Bank loan is divided into commercial, consumption and decoration mortgage loan. The same requirement is that there must be a set of commercial housing with at least 50 square meters and no final payment under the name; As long as the customer is married, both husband and wife must sign and agree whether there is a spouse's name on the real estate license. Operating mortgage loan means that the borrower owns platforms such as enterprises or self-employed, and the loan is mainly used for the purchase deposit of companies or raw materials. This requires that the customer's platform must be established for more than one year, running normally and in good operating condition. Consumer mortgage requires both husband and wife to have a fixed income by punching in, and can provide proof of income designated by the bank. 2. Vehicle mortgage loan: The vehicle mortgaged in Hangzhou must be a "Zhejiang A" license and purchased after 2009. If you don't take the bus, you need to have a house in Hangzhou under the borrower's name (affordable or self-built), or find a friend who has a house in Hangzhou as a guarantor to mortgage your ID card, vehicle registration certificate and spare key. The requirements for bank loans in Hangzhou are roughly divided into the above items. Usually, as long as the borrower has a good credit record and sufficient repayment ability, he can basically go to the bank to operate the loan. Hello, to apply for an unsecured personal credit loan, under normal circumstances, the bank requires the borrower to have a stable job and a fixed residence; Personal credit status is good; And there are certain restrictions on the monthly income conditions of loans. Hope useful to you
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The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
Which Hangzhou loan company is better?
Friends in Hangzhou don't know how to choose a loan company when they borrow money. It is understood that there are more than 40 companies in Hangzhou, so which one is better?
In fact, which loan company is good depends mainly on whether Hangzhou loan company can meet your loan amount and your loan interest. It is important to find a trustworthy loan company. It is illegal for the loan company to expect the annualized interest rate to be more than 4 times higher than the benchmark expected annualized interest rate in the same period; Charging before lending is also problematic. So I suggest you shop around before choosing, choose a formal loan company, and then make a decision. Here are some small loan companies in Hangzhou for your reference.
Individual Hangzhou companies are as follows:
1, Guangyu company limited
2. Huaying joint-stock company
3. Yao Xing Pu Hui Company
4. Zhejiang Agricultural Company
5. Fuyang Advanced Co., Ltd..
6. Xin 'an Joint-stock Company
7. Xiaohong Company
8. Commercial company
9. Yufeng Company
You can also go to major banks to ask, compare a few, and choose the formal loan company that is most beneficial to you.
At present, the basic conditions for handling general requirements are:
1, legal personal identity card, household registration book or marriage certificate, etc.
2. Work income stability certificate: provide work income certificate and affix the company's official seal, financial seal or human resources seal; Legal labor contract, etc.
3. Proof of income source: A bank statement must be provided and printed on the counter, with the name and name.
4. Proof of address: proof of purchase or lease contract, water and electricity bill, property management certificate, etc. If you live in the company dormitory, the company will issue a certificate.
Hangzhou formal credit loan
Hello, generally speaking, the basic conditions for personal loans are as follows:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.
If you need money urgently, you can also consider online lending. I suggest you choose a big brand loan, with transparent interest and fees to ensure your information security. It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.
I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.
So much for the introduction of formal loans in Hangzhou.