Is Wuhan Yin Fu Rongtong Loan Real?

Wuhan Yin Fu Rongtong Loan is false. Bank loan is the most commonly used method. Bank loans need to submit various materials. General borrowers need to have good repayment ability and good credit. When using mortgage loans, you need to submit proof of assets. Although the audit of bank financing is relatively long, the financing interest rate is relatively low, and there are many options for repayment methods.

First of all, the conditions of bank loans

1, age

The borrower's age must be between 18 and 60 years old, and the borrower's actual age plus the loan application period must not exceed 70 years old.

2. Identity

Borrowers can apply as long as they are citizens with full civil capacity, and citizens from mainland China, Hong Kong, Macao and Taiwan and foreign countries can apply.

3. Income from work

The borrower needs to have a legal and stable job and income source, and be able to pay the loan interest regularly.

4. Personal credit

The applicant's personal credit status is very important, and there can be no bad credit record. Otherwise, it is difficult to apply for a bank loan.

Generally speaking, bank loans generally need to provide guarantees, housing mortgages or proof of income, and people with good personal credit information have a higher success rate in applying.

Second, the bank loan approval process

1, prepare data. Individuals must first prepare the information needed to borrow money from banks. Generally, it includes loan application, customer ID card, household registration book, proof of income, proof of marital status and other materials.

2. apply. After preparing the relevant materials, the customer can apply for financing from the bank or the law firm entrusted by the bank, pay the relevant materials to the bank and pay various fees to the customer, and then the customer can sign a financing contract with the bank as a legal document binding both parties.

3. Payment review. In the case of housing loan, the law firm entrusted by the bank will first examine the client's application. If it is qualified, the bank will conduct the final loan review. If it is unqualified, the bank will return the relevant information of the customer and the fees received.

4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. Then the bank loans.

Generally, on the regular loan platform, pre-loan fees are usually not charged for any reason. You can also be vigilant after encountering it and call the police when necessary. There are many ways to apply for a loan now. You can apply for a loan from a bank through mortgage. A more convenient way is to apply for an unsecured personal loan. It is suggested to choose a formal platform when applying for a loan to better protect personal interests and information security.