Bank consultants deal with problems related to loans. You should study economics! In other words, you receive customers in need at the front desk and help them meet all their needs.
Who does the bank ask for a loan?
Just go directly to the bank for consultation.
To apply for a bank loan, you need to prepare materials:
Valid identity documents;
Proof of permanent residence or valid residence, proof of fixed residence;
Proof of marital status;
Bank flowing water;
Proof of income or personal assets;
Credit report;
Use plan or loan use statement;
Other information required by the bank.
Requirements for bank loans:
At least 18 years old, with full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificate, and bank loans require the lender to be between 18-60 years old;
Have a stable legal income and the ability to repay interest;
Other conditions required by the lending bank.
These procedures are usually divided into three steps:
Basic information submitted by the customer, including work unit and contact telephone number;
The loan bank or company checks the credit information of customers, including whether the credit rating of customers has illegal records, and for self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions;
The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.
Are there any bank staff? I'd like to ask about a bank loan.
Hello, I suggest you go to the bank to consult the bank staff in person.
Bank loans are roughly as follows
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
Borrower's requirements
1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
How to consult China Bank's mortgage?
For details, please consult the loan handling bank of Bank of China. Or call the customer service hotline of China Bank at 95566 for more loan information.
The above contents are for your reference. Please refer to the actual business regulations.
How does the manual service desk of China Bank inquire about personal loan information?
If it is a commercial loan from China Bank, and telephone banking has been opened in the repayment account, you can call the customer service hotline of Bank of China at 95566 for manual service inquiry. After dialing 95566, you can tell the intelligent customer service your requirements: "Transfer to manual service" or choose 3- banking service, 0- manual service, 5- other personal and company business consultation to access manual customer service according to the key prompts.
The above contents are for your reference. Please refer to the actual business regulations.
Bank mortgage consultation
If you have a local branch of China Merchants Bank and meet the loan conditions, you can try to apply to our bank. The application requirements and conditions of various loan types are different. First of all, look at the purpose of your loan. Our loans are issued for specific loan purposes (such as buying a house, buying a car, operating, studying abroad, etc.). ), and when applying for a loan, you must provide relevant supporting materials according to the "loan purpose". Due to the different types of loans provided by branches, it is suggested that you log in to the homepage of China Merchants Bank first, click "Online Customer Service" in the upper right corner, and select manual entry. After providing the opening city and loan purpose of the one-card account, you can check whether the local branch has the loan type, application conditions and materials you need to provide.