Hello, there are many loan channels now. Internet credit products other than banking channels can be selected. If you need money badly, I suggest that you must choose a reliable big brand. Qianhua is a credit service brand of Xiaoman Finance (formerly Baidu Finance), which is safe and credible, and has the characteristics of simple application, fast loan, flexible loan repayment, transparent interest expenses and strong security. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. Share with you the application conditions for rich flowers: the application conditions for rich flowers are 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 college students with consumer installment loans. If you are a college student, 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.
I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately!
Which banks can handle provident fund loans? These banks can!
At present, many domestic banks can apply for provident fund loans You can apply for a loan as long as you meet the conditions. Different banks have different standards, and many cities have other regulations on provident fund loans. It is best to go directly to the outlets for consultation. The following are some common bank provident fund loans, subject to bank rules.
1, Postal Savings Bank-Provident Fund Credit Loan
Amount: 300,000 yuan, 500,000 yuan.
Interest spread
Repayment method: interest before principal/interest before principal.
Unit requirements: excellent occupations such as administrative institutions, civil servants, banks, hospitals, schools, state-owned enterprises and central enterprises can apply for the exam.
2. Bank of Zhengzhou-Provident Fund Credit Loan
Ok:10-300,000.
Interest spread
Repayment method: interest first, then principal.
Unit requirements: excellent occupations such as bus, railway, school, hospital, and financial punching can be applied.
3. Ping An Bank-Provident Fund Credit Loan
Quota: 500,000 yuan
Interest spread
Repayment method: equal principal and interest
Unit requirements: excellent occupations can enjoy the interest rate reduction plan, both individuals and private enterprises can.
4. China CITIC Bank-Provident Fund Credit Loan
Ok:10-300,000.
Interest spread
Repayment method: interest first, then principal.
Unit requirements: civil servants and institutions.
5. ICBC-Provident Fund Credit Loan
Amount: up to 500,000 yuan.
Interest: 2% 77
Repayment method: equal principal and interest
Unit requirements: civil servants, institutions, provident fund for one year, clerk 300 thousand, department head 400 thousand, department head 500 thousand.
The above are the loan products of common banks. As long as the qualifications are good, it is easier to apply successfully. You'd better start preparing six months to one year in advance, keep the continuity of the provident fund and have a good credit report.
Is the loan in Bank of Zhengzhou easy to handle?
Hello, it's easy to meet the requirements. As long as there is a stable income from work and there is no problem with credit information, you can apply for banking business.
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank.
Requirements for bank loans:
(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Other conditions required by the lending bank.
These procedures are usually divided into three steps:
(1) Basic information submitted by the customer, including work unit and contact telephone number.
(2) The lending bank or company should check the credit information of customers, including whether the credit rating of customers has illegal records, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.
(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.
How to apply for a credit loan in Zhengzhou 20 16
Generally speaking, banks in Zhengzhou apply for credit loans from customers with stable income, such as national civil servants, teachers, police, doctors and other people. With the good credit accumulated at ordinary times, you can apply for and get a bank credit loan without mortgage and guarantee. Taking the personal credit loan for production and operation in Bank of Zhengzhou as an example, this paper explains how to handle the credit loan in Zhengzhou 20 16.
I. Loan Conditions and Objectives
The loans granted by Bank of Zhengzhou to natural person customers with good credit are used to solve the liquidity required by the applicant's legitimate production and business activities, and no guarantee is provided. Natural persons with business entities who have been approved and registered by the administrative department for industry and commerce or the competent authority and have conducted annual industrial and commercial inspections on schedule, including individual industrial and commercial households or shareholders or legal representatives of limited liability companies and joint stock limited companies, heads of public institutions and heads of other organizations, etc.
Two. Term and amount of loan
The longest loan term is 1 year (inclusive), and the loan amount does not exceed 50% (inclusive) of the observable net assets owned by the applicant's family or company, and the maximum loan amount does not exceed 3 million yuan (inclusive).
Third, the application materials
1, business license, tax registration certificate, and the enterprise shall also provide organization code certificate, loan card, etc. Engaged in licensed business, should provide the original and copy of the business license of the relevant administrative departments;
2. Bank statements for the past year;
3. The borrower and his spouse or the shareholders of his company holding more than 65,438+05% of the shares shall bear joint and several liability guarantee; It is also necessary to provide the guarantor's qualification, the written document that the guarantor agrees to provide the guarantee, and the proof of the guarantor's guarantee ability;
4. Other information needed by Bank of Zhengzhou.
Fourth, the application process
1. Accepting application: the borrower applies for a loan from the bank and submits relevant materials. The loan handling bank shall, within 3 working days after receiving the customer's application, give the customer a reply on whether to accept it or not.
2. Loan investigation and approval: The bank conducts a project investigation on the credit status, repayment ability, loan purpose, authenticity and legality of the information of the borrower and guarantor, and issues a feasibility report for approval within the authority of the branch, or submits it to the authorized approver of the Head Office for approval. If the loan credit is approved, the bank credit personnel shall inform the applicant of the approved credit line, term, expected annualized interest rate, repayment method and other related matters within 1 working day.
3. Loan issuance: After the loan credit is approved, a personal loan contract and other necessary legal documents are signed with the customer, and the loan is issued within the approved amount after the contract comes into effect.
What conditions can Bank of Zhengzhou Zheng Hao Branch apply for a loan?
A natural person with People's Republic of China (PRC) nationality and full capacity for civil conduct shall hold a valid identity document.
Bank of Zhengzhou loan amount and term:
1, and the highest mortgage rate of commercial housing can reach 80%.
2. The mortgage rate of office buildings and shops can reach up to 60%.
3. The mortgage rate of industrial plants can reach up to 50%.
4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.
So much for the introduction of civil servant loans in Bank of Zhengzhou.