Pledge is generally aimed at customers with high loan amount, short term and general customer qualification; Mortgage is generally aimed at customers with relatively small loan amount, long term and good customer qualifications. Mortgaged customers generally require to have real estate in Hangzhou and install GPS on their vehicles.
Fu Shang loan:
1. Register as a borrower: easy to register.
2. Submit approval materials: complete relevant certificates.
3. Quick loan: the approval will be completed within 3 days.
4. Investors bid: get loans quickly.
5. The borrower's loan is successful: the loan transaction is completed.
The extended information conforms to the provisions of the general loan rules:
The loan object should be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with China nationality and full civil capacity approved and registered by the administrative department for industry and commerce (or competent authority). Loan conditions loan conditions refer to what conditions the object has to obtain a loan. It is a specific requirement for the loan object.
Any enterprise that meets the requirements of "conditions" within the "object" can obtain bank loans. The basis for determining the loan conditions is: the legality of the establishment of enterprise units, the independence of operation, the adequacy of its own capital, the profitability of operation and the safety of loans. Therefore, enterprises, institutions and individuals that need to apply for loans from banks must meet the following basic conditions.
The current loan conditions of China Commercial Bank are:
1. Legitimacy of operation.
2. Independence of operation.
3. Have certain self-owned funds.
4. Open a basic account in the bank.
5. Have the ability to repay the principal and interest on schedule.
Loan purpose Loan purpose refers to the direction and scope of loan use in enterprise capital occupation.
Baidu encyclopedia-general rules for loans