Loan procedures for individual industrial and commercial households: 1, and the borrower should have full civil capacity (1) and have a local urban hukou; How to make money by speculating in gold? Experts guide banks to open accounts in gold and silver td for free. The desktop quotation tool of bank gold and silver simulation trading software (2) has a fixed business place or address in Luzhou, and its legal, stable and sufficient business income is the first repayment source; (3) Being able to provide legal, sufficient and easy-to-realize collateral; (4) Open a deposit account in a loan bank. 2. Provide information (1) original ID card, household registration book and a copy consistent with the original; (2) Provide the original and photocopy of the annual business license and tax registration certificate; (3) Relevant materials that can prove their lawful income; (4) Relevant materials that can prove their marital status; (5) Provide legal and sufficient collateral and evaluation report; (6) The mortgagor or pledger shall fill in the pledge in bank format; (seven) other information required by the bank. 3. Loan Term: The time for a single working capital loan shall not exceed one year. 4. The loan interest rate rises according to the loan interest rate stipulated by the People's Bank of China, and the interest is paid monthly, and the interest is paid off with the principal.
If you are satisfied, please accept it.
Second, the rapid loan process for individual industrial and commercial households?
1. Fill in the loan application form, and then you can apply for a loan from the bank. 2. The bank examines the qualifications of the borrower and approves the loan application submitted by the borrower according to the requirements of the bank. 3. After the audit is successful, the borrower signs a loan contract with the bank. 4. When the bank lends money, the borrower repays it according to the contract. 5. After the loan is settled, the borrower goes through the mortgage registration formalities, and the bank issues the loan according to the loan contract. 6. The borrower shall repay the loan principal and interest in full and on time. 7. The borrower handles the cancellation procedures of the mortgaged house.
Three, CCB individual industrial and commercial households operating fast loans how to renew the loan?
Operation methods of individual industrial and commercial households in CCB to operate fast loans and renew loans. 1. Prepare and carry your ID card and loan contract. 2. Secondly, go to the business hall of the lending institution. 3. Submit the loan deferred repayment application to employees. 4. Then present relevant information according to the process requirements. 5. Finally, with the help of the staff.
4. Is Jin Yan Express loan a good application?
Jin Yan Express Loan is easy to apply for. We all know that bank loan products need higher qualifications. Jin Yan Express Loan is a relatively high-end loan product, but this product mainly serves agriculture and rural areas. So as long as certain conditions are met, you can enter quickly.
First, the characteristics of fast loans in Jin Yan.
It greatly simplifies the process of farmers, gives customers credit rating in order to repay interest, automatically upgrades the credit limit of users, and promotes the business exchange between customers and credit cooperatives. Follow up and record the loan customers in time, understand the customer status and the follow-up and return visit of the account manager. Early warning of loans that are about to expire, overdue loans, interest repayment of users, etc., so that business personnel can grasp customer information in time and take measures to reduce risks.
Second, very good application.
Because this product is mainly used in agricultural production, the application requirements of this product are not harsh. As long as certain conditions are met, it can provide high-quality services and loans for rural customers, so as to be used in agricultural production.
Jin Yan Express Loan is a credit product based on credit business. This product is mainly used to meet the capital needs of farmers and individual industrial and commercial households in production and business activities, and adopts the principle of "one-time approval, loan with use and balance". The operation process of this product is: setting up a credit rating team, establishing files, rating and granting credit, posting and publicizing, unified certification, customer granting credit and post-loan management. "Fast-loan families in Jin Yan have changed their loans from" retail "to" wholesale "."Jin Yan Fast-loan Link "conforms to the principle of small-amount, decentralized and mobile credit, and the risks are generally controllable, so it can be widely promoted. Especially in Jiyuan Rural Commercial Bank, Zhengzhou Suburb Association, Zhenping Association, Lu Yi Association and other travel agencies, it has achieved very obvious results.