Hello, there are many ways to apply for a loan. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.
I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. The money is spent-full of easy loans, the maximum loan amount is 200,000 (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
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.
This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.
What is the loan interest rate of Yiwu Bank?
4.35%。 By the end of 65438+February 30, 2022, the loan interest rate of Yiwu Bank was 4.35%, and Yiwu Rural Commercial Bank was formerly known as Zhejiang Yiwu Rural Cooperative Bank. Is an innovative and powerful local financial institution.
Interest rate of Yiwu Rural Commercial Bank in 2022
In 2022, the commercial loan interest rate of rural commercial banks was 4.35%. 4.75% and 4.9%.
Details are as follows:
1, and the interest rate within one year after adjustment is 4.35%.
2. The adjusted interest rate for one to five years is 4.75%.
3. After five years, the adjusted interest rate is 4.9%.
The adjusted interest rate for individual housing provident fund loans is 2.75% for less than five years and 3.25% for more than five years.
How to apply for a loan from Yiwu Rural Commercial Bank?
The application steps of Yiwu Rural Commercial Bank are as follows:
1, credit rating of farmers. Mainly based on the basic situation of farmers, assets and liabilities, production and operation status, reputation and other indicators for evaluation, farmers' credit rating is divided into three grades: excellent, good and general.
2, approved the credit line of farmers, according to the results of farmers' credit rating, farmers' demand for funds and credit line application, rural credit cooperatives approved the corresponding level of credit loan line.
3, the issuance of loan vouchers, with households as the unit, one certificate for each household.
4. Loan application: When applying for a loan, farmers can apply for a loan within the credit line with their loan certificate and valid ID card (or household registration book).
5. When the loan is issued, the rural credit cooperative receives the loan application from the farmers, and the credit counter staff (or doorman) signs the contract after review, fills in the loan receipt, and the farmers can use the loan according to the regulations.
6. Repayment on schedule, the borrower shall repay the loan principal and interest according to the loan contract.
How rural commercial banks use the balance of online loan consumption
After applying for E-loan of rural commercial enterprises, the loan amount will be directly distributed to the applicant's bank card, and users can use the amount of E-loan of rural commercial enterprises only by using the bank card.
Rural commercial e-loan is an inclusive network financial product of rural credit cooperatives. Because all rural credit cooperatives have their own independent apps, not all rural credit cooperatives have the function of agricultural e-loan, so users need to download the apps of rural credit cooperatives in their own areas for specific viewing.
Specifically, just: 1, download the local rural credit cooperative APP.
2. Open it and click the "Loan" option. If there is an e-loan option for farmers, you can apply, otherwise you can't apply.