Landlord, you can choose, which has the following characteristics:
1, low threshold
When applying for a loan, the borrower can apply for a loan with personal credit without providing real estate or automobile real estate, but the borrower must have a stable job and income and good personal credit.
2. Quick loans
Mortgage loans need to go through evaluation, mortgage and other procedures, so the lending speed is slow and the procedures are simple, as long as the borrower meets the loan conditions and can provide complete loan procedures.
3. Low risk
The risk of the loan undertaken by the borrower is small, so there is no need to worry about not repaying the loan, and the collateral is disposed of by the lending institution.
Disadvantages of simultaneity:
1, low limit
Because there is no collateral as a guarantee, lending institutions need to bear greater risks. In order to reduce the risk, the loan amount to the borrower is not high, generally about ten times the personal monthly income.
2, the cost is high
The means of controlling credit risk by lending institutions not only controls the loan amount, but also increases the loan cost. Therefore, before the borrower applies for a loan, it is best to determine the loan amount and term according to his repayment ability, so as to avoid the excessive repayment pressure affecting his normal life.
Can I get a loan with my ID card?
You can't just apply for a loan with your ID card, but you also need to provide other relevant materials, such as bank account, work certificate, address certificate, good credit record and so on. Loan application and approval. (1) loan application. If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks, and the application should include the basic contents such as loan amount, loan purpose, repayment ability and repayment method. (2) Credit evaluation. The lender shall evaluate the credit rating of the borrower according to the quality, economic strength, capital structure, performance, economic benefits and development prospects of the borrower's leaders. (3) loan investigation and approval. After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and effectiveness of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. After the above investigation, the lender will verify and evaluate the information provided by the investigators, retest the loan risk, put forward the review opinions, and examine and approve the loan application according to the prescribed procedures and authority according to the loan management system of loan separation and grading examination and approval.
Hello, is there one in Foshan City, Guangdong Province? All you need is an ID card.
Hello, there are many platforms available now, and the amount is basically between 5 million and 300,000. You can apply through banks and online loans. Compared with other loans, although the amount is low, it is very popular because of its fast lending and flexible borrowing. As long as you choose a regular big platform, and the security of funds and information is guaranteed, you can use it with confidence.
Recommended money flower, formerly known as "Baidu money flower", is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Money is easy to borrow 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.
I would like to share with you the application conditions for consuming products with money: it is 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. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.
Can I buy a car with a foreign ID card in Foshan?
You can't borrow money just with your ID card! What's more, yours is someone else's ID card. The loan method varies according to your purpose, and the approval conditions for different loan methods are also different! Can you elaborate on what your loan is for? That's easy to say! The key is that you can have a stable job and income in Foshan. The general loan process is that you submit your personal loan demand and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant and arranges a special person to contact the loan applicant. If the contact person passes the preliminary examination, then guide the loan applicant to provide the required materials, and then finally lend money.
General loan application, the required materials are as follows, you can refer to your own judgment-
Original and photocopy of the borrower's valid identity certificate;
Local permanent residence or valid residence identity certificate
Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.
The borrower's pledge right, the list of collateral and ownership certificate required to obtain the amount of pledge and mortgage, and the written document that the owner and the real estate * * * agree to pledge and mortgage.
A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
Credit certification materials of the guarantor.
Collateral appraisal report issued by the appraisal department recognized by the society.
Other documents and materials specified by the bank.
Easy loan China loan fraud prevention Remember: In fact, the tricks of scammers are very simple and can be summarized as follows:
(1) The loan requirements are extremely low, and no mortgage or other requirements are required. It can be said that you can get a loan if you want.
(2) I dare not disclose the name of my company, I can't provide the company's business license or the company has no investment scope, I can't provide formal contract texts and invoices, and I won't even give you a landline. You only know the other person's cell phone, but you can't even see the other person's face.
(3) Before the loan arrives, you should charge your so-called travel expenses, interest, handling fees, attorney fees, etc. Anyway, it means asking for money. After you get it, you won't be treated again. The above information comes from official website, China.
Does Foshan have an ID card loan?
You can't apply for a loan with your ID card;
Bank loans need a stable source of repayment and collateral with good credit information or clear property rights, such as real estate vehicles;
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank.
Requirements for bank loans:
(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Good credit information;
(4) Other conditions required by the lending bank.
So much for the introduction of ID card loan in Nanhai, Foshan.