1. The borrower needs to have a stable job, a sustainable income and sufficient repayment ability;
2. If the borrower is registered in this city, he must have a fixed residence in this city; If the borrower is not registered in this city, the borrower or spouse needs to own property housing in this city;
3. The borrower needs to have good credit and no bad records such as malicious overdue;
4. The borrower must open a personal settlement account (Xinjie Card) in our bank, and open our personal online banking or mobile banking.
What is Xinxiang loan?
Xinxiang Loan is a personal consumption loan product launched by Shanghai Rural Commercial Bank. The loan funds can be used for reasonable personal consumption purposes, such as car purchase, house decoration, large-scale durable consumer goods, tourism, education and other consumption expenses. The maximum amount is not more than 300,000 yuan, which can be recycled within the loan period. The loan term is fixed at one year, and the loan interest rate shall be implemented according to the benchmark loan interest rate for the corresponding term and the floating regulations of relevant bank interest rates published by the People's Bank of China on the date of issuance.
Xinxiang loan interest rate
The loan interest rate of Xinxiang Loan shall be subject to the benchmark loan interest rate of corresponding term and grade and the floating regulations of relevant bank interest rates published by the People's Bank of China on the date of issuance. Generally speaking, the interest rate is related to the borrower's own qualifications and whether the information submitted is complete and true. I suggest that when you borrow money, you should provide as much information as possible to prove your financial situation.
What's the difference between Xinxiang loan and Xinxin loan?
Xin Xiang Loan and Xin Xin Loan are both personal consumption loan products launched by Shanghai Rural Commercial Bank. Xin salary loan is mainly aimed at customers with good credit, stable work, fixed income source and strong repayment ability. The maximum loan amount shall not exceed 500,000 yuan (the loan amount shall be determined according to the income level, loan purpose and solvency, etc.). ). The loan amount can be used for car purchase, decoration, large-scale durable consumer goods, tourism, education and other consumer expenses. And the repayment can be paid in one lump sum or in one lump sum. Xinxiang Loan targets at least 18 years old and has full capacity for civil conduct. The maximum loan amount is not more than 300,000 yuan, and the repayment method is to pay interest on a monthly basis and repay the principal at maturity.