★ I. Personal revolving comprehensive credit loan:
Personal revolving loan refers to a personal loan business in which a natural person applies for and provides a guarantee or credit condition that meets the requirements of the bank (generally real estate is used as collateral), and the borrower is granted the highest amount of credit with the approval of the bank, and the borrower can repay it with the loan within the validity period.
Advantages of personal revolving loan:
Balance control and recovery: loans are balance control. Within the limit and time limit, the borrower can match the amount of each use by himself. After the loan is returned, it can continue to be recycled until it reaches the highest balance or expires;
◆ Ultra-high amount: the loan amount is only limited by the borrower's credit and guarantee method, and the maximum loan amount can reach 70% of the real estate appraisal value, which is much higher than the overdraft limit of the credit card;
◆ Pay back as you borrow, and use money flexibly: customers can handle it at any time, with flexible methods and repayment;
◆ Maximize interest saving: the loan interest is the bank's benchmark interest rate (5.3 1%-5.94%), and the customer does not bear interest when obtaining the line, and only calculates according to the actual number of days when actually using the money, so as to minimize the customer's cost of using the money;
◆ Financial management function: it can be used as needed, which not only solves the short-term turnover difficulties of customers, but also does not increase the loan interest.
Characteristics of personal revolving loan:
◆ Guarantee methods: mortgage, pledge, guarantee and credit. Four ways can be selected in combination;
◆ Loan amount: The collateral is determined according to a certain proportion of the bank's recognized value, with a maximum of 70%;
◆ Term of credit line: The longest validity period of credit line is 20-30 years, and it will automatically expire after expiration and cannot be used any more;
◆ Loan interest rate: it shall be implemented according to the loan interest rate of the People's Bank of China for the same period and the floating regulations of relevant bank interest rates;
◆ Repayment method: The customer can choose to pay the equal principal and interest monthly (quarterly) or with the principal.
For example, in 20 years, 654.38+0 million is a revolving credit loan, and the mortgage is 654.38+0 million, which can be recycled within 20 years. For example, you only need 400,000 yuan now, you can use it as long as you want (no more than 20 years), and only pay 400,000 yuan in interest, which saves interest. It doesn't take more than 20 working days from the beginning to getting the money.
★ Second, personal mortgage loan (high evaluation and high loan, convenient and fast, high success rate):
Introduction: For the purpose of buying houses, cars and a large number of durable consumer goods, apply for loans from banks with their own or their relatives' property as collateral.
Loan amount: the maximum loan amount can reach 70% of the appraised value of the house, and it can also operate individual commercial houses (shops and office buildings) for a maximum of 1-30 years.
Loan interest rate: The benchmark loan interest rate stipulated by the People's Bank of China shall be implemented or appropriately floated.
Our advantages:
◆ Mortgaged property, poor credit record, and can be operated in a hurry to use money;
◆ Real estate in all areas of Beijing can be operated;
◆ The evaluation value is close to the market value;
◆ Comprehensive credit loan, with favorable interest rate.
Information to be provided:
◆ Real estate license, ID card, household registration book and marriage certificate.
◆ Personal income certificate and asset status certificate
Loan process:
◆ The borrower applies and submits relevant materials.
◆ Conduct real estate appraisal and pre-loan investigation and approval.
◆ Pass the examination and approval and go through the mortgage registration formalities.
◆ When granting loans, the borrower will repay the loan principal and interest on a regular basis as agreed in the contract.
★ three. Enterprise mortgage loan (personal business loan):
It is a financing product serving small and medium-sized business owners or individual industrial and commercial households. Borrowers can obtain bank loans through real estate mortgage and other guarantee methods, and the loan funds are used for the business needs of their enterprises.
Application conditions:
◆ Legal representatives/shareholders of enterprises and individual industrial and commercial households;
◆ Enterprises can operate with profits, and there is no upper limit for profits;
◆ If it is a small-scale taxpayer, it shall operate continuously in principle 1 year or more;
Materials required:
◆ Mortgaged house ownership certificate;
◆ Business license, articles of association, organization code certificate, tax registration certificate, financial statements, etc.
Loan amount: revolving credit, with housing as collateral, up to 80% of the value of real estate assessment, or commercial housing.
Loan term: the loan term is up to 5 years, the credit can be recycled, the interest is repaid monthly/quarterly, and the principal is repaid at maturity, so the repayment is very flexible.
Loan interest rate: The benchmark interest rate for loans of the same grade in the same period stipulated by the People's Bank of China shall be implemented or appropriately raised.
★ four. Enterprise unsecured loans (working capital loans):
The loan amount is (65438+ ten thousand-1 ten thousand), the term is (1-3 years), and the fixed annual interest rate of the loan is 8.3 12%.
Requirements: (1) Business license of the enterprise, a complete set of articles of association, and bank statements for the past six months.
Requirements: (b) The applicant shall submit relevant materials, which shall be submitted for examination and approval after approval, and the bank shall make payment within 10- 15 working days.
Product features:
◆ There is no need for mortgage and joint guarantee, which solves the problems that enterprises lack collateral and joint guarantee business is cumbersome.
◆ Establish bank credit, real credit lending, additional, comprehensive credit granting and revolving loan.
◆ Suggest the application process, with simple procedures, quick approval and timely lending.
Appropriate loan term and amount. The loan period is as long as 36 months, and the initial loan amount is as high as 654.38+0 million.
◆ The repayment method is convenient, with normal operating cash flow, reducing the interest burden and the capital flow pressure when repaying the principal in one lump sum.
(There is no charge for unsuccessful processing)
Company name: Heng Chang International Investment Guarantee (Beijing) Co., Ltd.
Company address: Room 636, Floor 6, Jingxin Building, No.2, East Third Ring Road, Chaoyang District, Beijing.
For contact information, see User Name.