The interest before the principal loan is average capital.
Second, Hangzhou Bank Loan
Generally speaking, to apply for personal bank credit loans, you need to meet the basic conditions for applying for bank credit loans and certain access items before you can handle them.
First, the basic application conditions for personal credit loans
1, a registered resident of Chinese mainland, aged 22-55, who can borrow from a personal bank until he is 60 years old and has full capacity for civil conduct.
2. Income can cover repayment and has repayment ability.
3. Good credit information, good big data and not too many queries.
4. No negative information such as criminal cases and bad records.
5. It is not a high-risk occupation, nor is it an occupation prohibited by banks.
6. The purpose of the loan is reasonable and compliant, and the loan can be provided after the loan.
2. Personal credit loan access items: (only one item can be met)
1, salary admission: working for more than one year, salary above 5000, social security.
2. Acquisition of provident fund base: After working for one year, the provident fund base is more than 700.
3. Monthly payment access: the monthly payment has been paid for more than half a year, and the monthly payment is more than 2,000 yuan.
4. Obtain a life insurance policy: complete three life insurance policies within two years, with an annual payment of more than 2,400, and the applicant is himself.
5. Obtaining the value of real estate: there is a local house liquidation, and the real estate has a certain transaction value, and it has been held for a certain period of time, with no more than three property owners.
6. Owner access: If you have a car under your name, you can provide a driving license. The car is my own car, worth more than 80 thousand.
7. Enterprise flow access: Business owners or self-employed individuals have a certain income flow, and the demand for interest settlement in one year is generally greater than that in 28 yuan.
8. Access to tobacco business license: Individual industrial and commercial households engaged in tobacco business can apply for credit loans if they hold tobacco monopoly licenses.
9. Access to enterprise invoicing: If there are multiple enterprises invoicing, the business owners or shareholders can apply for invoicing loans in their own names.
Rui Xin Zhu Dai
3. What are the detailed conditions of Hangzhou Bank loan?
Different types of bank loans in Hangzhou have different requirements for customers. But there is a * * * similarity, that is, both mortgage loans and credit loans require customers to have a good credit record, and the amount is determined according to the actual income and credit information of customers. Moreover, mortgage loans have other requirements for customers. 1. Housing mortgage loan: Housing mortgage loan in Hangzhou Bank loan is divided into commercial, consumption and decoration mortgage loan. The same requirement is that there must be a set of commercial housing with at least 50 square meters and no final payment under the name; As long as the customer is married, both husband and wife must sign and agree whether there is a spouse's name on the real estate license. Operating mortgage loan means that the borrower owns platforms such as enterprises or self-employed, and the loan is mainly used for the purchase deposit of companies or raw materials. This requires that the customer's platform must be established for more than one year, running normally and in good operating condition. Consumer mortgage requires both husband and wife to have a fixed income by punching in, and can provide proof of income designated by the bank. 2. Vehicle mortgage loan: The vehicle mortgaged in Hangzhou must be a "Zhejiang A" license and purchased after 2009. If you don't take the bus, you need to have a house in Hangzhou under the borrower's name (affordable or self-built), or find a friend who has a house in Hangzhou as a guarantor to mortgage your ID card, vehicle registration certificate and spare key. The requirements for bank loans in Hangzhou are roughly divided into the above items. Usually, as long as the borrower has a good credit record and sufficient repayment ability, he can basically go to the bank to operate the loan.
4. How to transfer the loan from Hangzhou Bank?
When users apply for loans, if they directly apply for loans from bank cards, the funds will directly reach the bank account.
2. The loan funds will be given priority to the loan account. At this time, the user needs to make additional withdrawals from the bank card. After successful withdrawal, users can use online banking, mobile banking, Alipay and WeChat to transfer money. There are no different loans in the bank card, so there is no need for additional transfer.