First, the loan platform. Second, bank loans. Third, private lending. Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loan refers to such loans granted by banks or other financial institutions to natural persons who meet the conditions of personal consumption, production and business loans. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. : 1. Personal loan refers to the principal loan provided by the lender (general commercial bank) to individual consumers or families for personal consumption, production and operation, with agreed loan interest and agreed repayment of principal and interest on schedule, which is used for buying self-occupied housing, consumption or small investment and operation. Personal loans provided by banks are different. 2. Features: 1. High interest rate; 2. The scale is cyclical; 3. The borrower lacks interest rate flexibility. 3. Type: individual housing loan; Personal loan; 4. Personal housing commercial loans are self-operated loans issued by bank credit funds. Refers to the commercial housing loan that a natural person with full capacity for civil conduct applies to the bank with the purchased property house as collateral when purchasing urban self-occupied housing in this city, as a guarantee to repay the loan. 2. Personal housing provident fund loans Personal housing provident fund loans are entrusted loans issued by policy housing provident funds. It refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank as a guarantee to repay the loan when they buy, build, renovate or overhaul their own houses in cities and towns in this city, with their property houses as collateral. 3. Personal housing portfolio loans Borrowers who meet the requirements of personal housing commercial loans can apply for personal housing provident fund loans from banks while paying housing provident fund loans, that is, borrowers can apply for personal housing provident fund loans and personal housing commercial loans (such loans are referred to as personal housing portfolio loans) from banks with urban self-occupied houses purchased in this city as collateral. 2. Personal automobile consumption loans. Personal durable consumer goods loan. Personal business loan. Personal files. Personal micro-credit 5. Personal microfinance is unsecured RMB credit granted by banks or other financial institutions to borrowers with good credit. According to personal credit and repayment ability, the amount is generally not more than 1-200,000, and the loan term is1-2 years. 6. Personal non-residential mortgage loan: 1. Installment loan II. One-time loan. Credit card loan: Credit card refers to any card, disk and other tools that can be reused at any time to borrow money or buy goods and services in the form of credit.
Second, Dongying personal loan? How to borrow money?
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138== There is no charge for unsuccessful interest deduction for fixed payment.
Big brands are trustworthy!
Mobile phone number: 138== Ping jointly launched personal enterprise credit loans with cooperative banks in our city, with a loan of1-150,000 yuan for three days, without collateral, guarantee and handling fee.
You can apply if you meet the following conditions:
Have China nationality.
Age 2 1-55 years old.
Office workers have worked or lived in the place of application for not less than 6 months; Have a stable job and a monthly income of not less than 3,000 yuan.
Industrial and commercial registration, a private owner, worked for one year; The monthly income of public water or private water is more than 20 thousand yuan.
The property owner owns a commercial property or one of the applicants.
Have a good credit record.
Applying for micro-credit loans does not need mortgage and guarantee, and has the advantages of low threshold, simple procedures, quick handling and no handling fee. If the information is complete and the examination and loan procedures are coordinated, the "application-examination-signing-loan" can generally be completed in about 2-4 days. The credit is good, and the monthly interest can be as low as 1.3%( 1.3-2.3% range).
Processing flow:
The applicant shall submit personal certification materials and fill in the application materials.
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The bank checks the applicant's credit record at the central bank.
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check and ratify
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The applicant brings the original materials for review and signs a formal contract.
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Review and loan of cooperative banks
The whole process can be released in about 2-4 working days.
Telephone number of our city (Manager Zhang) 138== Reason for choosing our mobile phone: 1. There is no charge before and after bank lending; 2. Quick approval and quick loan; This is strictly confidential; 4. Corporate loans are not unkind; It is a big brand and trustworthy.
yejwmeanty
3. What are the loan conditions of Dongying Rural Commercial Bank?
1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.
2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.
3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business and financial statements are submitted to lending institutions on a regular basis.
4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.
5. The asset-liability ratio of the lender of rural credit cooperatives shall not be higher than 70%.
6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must comply with the provisions of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.
7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.
8. Lenders of rural credit cooperatives must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.
Fourth, how to repay the provident fund loan in advance?
You have paid off the loan for one year. After prepayment, the principal of your loan can't be repaid to you every month, and the interest is the same. After prepayment, you will be charged prepayment penalty. )