For details, please consult the loan handling bank of Bank of China. Or call the customer service hotline of China Bank at 95566 for more loan information.
The above contents are for your reference. Please refer to the actual business regulations.
Ordinary people can go to the bank for advice on how to get a loan.
Many people will apply for loans from banks when they are in urgent need of money, so how can ordinary people get loans from banks? What should I pay attention to when handling loans? Here is a detailed introduction for everyone, so that you can get a loan smoothly and avoid some unnecessary troubles.
When ordinary people go to a bank for a loan, they can go to the bank for consultation first, but they should ask according to their own loan type when consulting. Common loan types include mortgage loan, consumer loan, credit loan, venture loan, etc. Different loans need different conditions, and users can choose according to the actual situation.
Usually, borrowers can apply for mortgage loans when they own real estate. At this time, the loan amount is approved according to the collateral submitted by the user, which is generally about 60% of the mortgage real estate assessment amount; If you apply for a credit loan, the bank will approve the loan amount according to the borrower's annual income, and the credit amount of the credit loan will be different according to the borrower's occupation.
Borrowers submit materials according to their loan types, and then the bank will review them. After passing, the bank will lend money and then return it on time. When signing a formal loan contract, users can choose the repayment method and repayment period, which is generally determined according to their own income, but they can also return it in advance after handling the loan.
After handling the loan, the user should repay the loan on time according to the contract, and there can be no overdue situation, because there will be penalty interest after the overdue, and the overdue record will be uploaded to the credit information center, which will lead to poor personal credit information, affect the subsequent handling of various loans, and will not be repaid by the bank for a long time.
Finally, users can consult different banks when handling loans in banks, so that they can know which bank offers low loan interest rate, because the interest paid by the bank with low loan interest rate is low, which is conducive to the return of subsequent loans, but they should also pay attention to the loan conditions given by different banks to judge whether they meet the requirements.
How to find a bank loan
To find a bank loan, you need to submit the corresponding materials.
Looking for a bank loan requires the loan applicant to submit corresponding materials, such as the borrower's ID card and household registration book. Take the housing mortgage loan as an example.
The materials to be submitted when looking for a bank to handle a real estate mortgage loan include:
1, the borrower's fixed income certificate issued by the borrower's unit;
2, the loan guarantor's business license and legal person certificate and other credit documents;
3. The borrower's legal and valid identity certificate;
4, in line with the relevant laws and regulations of the housing ownership certificate or proof that I have the right to control the housing;
5. Appraisal report, appraisal report and insurance documents of the mortgaged property;
6, the purchase and construction of housing contracts, agreements or other documents;
7. Other documents or materials required by the lending bank.
Looking for bank loan processing flow
There are many processes to find a bank loan, and the loan processing process of each bank is different. Usually go to the counter, and a few banks support online processing. Here, take the handling process of commercial loans of China Merchants Bank as an example. (How to borrow money quickly and receive it in real time)
For the commercial loan of China Merchants Bank, customers can contact the credit manager of China Merchants Bank and handle it at home or at the counter of China Merchants Bank.
1. Contact the credit manager of China Merchants Bank to apply for a commercial loan:
(1), call 95555-8 or contact the branch account manager.
(2) Application processing-the account manager of China Merchants Bank provides on-site service and collects data.
(3) Obtaining a loan-successfully obtaining a commercial loan from China Merchants Bank.
2. Handle commercial loans at the counter of China Merchants Bank.
Take the materials to the counter of China Merchants Bank to apply for a commercial loan.
Through the above introduction, you should know how to find a bank loan. The handling of bank loans is very complicated and the approval is very slow. It is recommended to go to a third-party platform for loans.
The advantages of the third-party loan platform are fast review, less submitted materials and high quota.
Who should I turn to if I need a loan?
It is recommended to choose formal channels to handle loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.