If you have a stable job, I suggest you take a commercial loan. At present, the country has liberalized personal consumption loans, and many banks have this loan product, but banks like to be quality customers and entrust such products to some professional financial institutions, so most people don't know much about it.
If you have to charge a deposit/handling fee/loan interest before you get the loan, be careful. In fact, the country is now opening up personal consumption loans, and many banks also have many personal loan products, but banks like to serve high-quality customers and entrust these personal loan products to some professional financial institutions.
Second, the consumer loan preparation materials
Legal analysis: consumer loan preparation materials;
1. Original and photocopy of ID card, household registration book and marriage certificate of the borrower's husband and wife and the property owner (* * * owner) (divorce certificate and divorce agreement shall be provided for the borrower's divorce; Widowed to provide proof of widowhood and inheritance notarial certificate);
2. Copy of income certificate, payroll for the last 3 months, business license of the company stamped with official seal and passed the annual inspection;
3. The title certificate of the mortgaged house, the original purchase contract (original purchase invoice) and its copy, and the house listing certificate shall be provided when the center delivers the house;
4. Consumption purpose of the loan;
5. Residents of other provinces and cities need to provide temporary residence permits and long-term residence certificates;
6. The borrower's educational background is junior college or above, and proof of educational background is provided;
Legal basis: Article 5 of the Measures for the Administration of Bank Credit Registration Consultation.
Article 5 A borrower applying for a loan card shall submit the following materials to the People's Bank of China:
(1) A copy of the business license of an enterprise as a legal person or a copy of the business license and present the original, a copy of the registration certificate of a public institution and present the original, and other borrowers provide copies of their valid certificates and present the original.
(2) An enterprise as a legal person shall provide a copy of the registered capital verification report or proof of the source of the registered capital.
(three) the identity certificate of the legal representative, responsible person or agent (ID card, foreign passport, home visit permit, etc.). ) copy and resume certification materials.
(4) Copy of People's Republic of China (PRC) organization code certificate and show the original.
(5) The balance sheet, profit and loss statement and list of loan households of the legal person enterprise one year or last month before obtaining the license.
(6) Other materials required by the People's Bank of China.
Third, what is consumer credit?
That is, the short-term credit market of banks refers to the place where banks handle short-term credit business for customers.