In modern society, people often encounter all kinds of problems, most of which need money to solve. If you lack funds, you can consider bank loans. Today, I will introduce the personal loan of Rizhao Bank, and you can handle it according to your own needs.
I. Types of personal loans
Personal loans of Rizhao Bank are divided into personal business loans (including personal commercial housing loans, small secured loans and three-day loans). ) and personal consumption loans (including personal housing loans, personal housing decoration loans, personal car consumption loans, self-purchase loans, personal provident fund loans, etc. ); According to the way of guarantee, it is divided into individual, individual guaranteed loan and individual mortgage loan.
Second, the loan repayment method
The repayment methods mainly include average capital, matching principal and interest, and paying interest once a month. You can choose the corresponding method according to the actual situation. Please consult the loan handling bank for details.
3. When will it arrive?
According to the instructions of Rizhao Bank, once the loan application is approved, the loan handling bank will promptly inform you to sign the loan contract and go through the relevant procedures for lending. The loan will arrive as soon as the loan formalities are completed. Please keep the communication open. Please contact the handling bank to confirm the specific loan time.
Fourth, ordinary personal loans.
"Sunshine Loan" refers to the RMB loan for personal consumption issued by Rizhao Bank to natural persons who meet the prescribed conditions, aiming to meet the personal capital needs of customers such as large-value goods or services consumption with fast and convenient approval process and quality service.
Personal first-hand housing loan refers to the loan issued by Rizhao Bank to the borrower to purchase the first-time commercial housing and provide mortgage guarantee to Rizhao Bank with the purchased real estate.
Which bank in Rizhao can buy a house with mortgage loan?
Rizhao CITIC and Ping An Bank can apply for a second mortgage loan to buy a house. The process of building two mortgages between CITIC and Ping An Bank requires bank approval. Buyers and sellers conduct real estate transactions and sign purchase contracts or letters of intent. Apply for a loan from the bank and submit relevant materials. After conducting a credit investigation and examination on the borrower, the bank shall inform the borrower of the examination results.
What are the application conditions for Sunshine Easy Loan of Rizhao Bank? Satisfy these!
In modern society, most companies will buy five insurances and one gold for their employees, and many people will buy some extra commercial insurance. If the cash value is high, it can be used for mortgage loans. Today, I will introduce the application conditions of Rizhao Bank Sunshine Easy Loan, and users in need can learn about it.
I. Introduction of Sunshine Easy Loan
"Sunshine Easy Loan" refers to the RMB loan business issued by Rizhao Bank and its authorized institutions to natural persons who meet the prescribed conditions. Professional guarantee institutions, enterprises and natural persons recognized by Rizhao Bank provide joint liability guarantee or the applicant purchases full performance guarantee insurance for personal and family consumption.
Second, Sunshine Easy Loan Application Conditions
1. Have full capacity for civil conduct, be in good health, be at least 18 years old, and the sum of age and loan term shall not exceed 65 years old;
2. In principle, work in the agency for a long time and live stably for half a year, and the business owner requires stable operation in the agency for more than one year;
3. Have a stable occupation and income source, have worked in this unit for more than half a year, and have a monthly income after tax of not less than 2,500 yuan;
4. Can provide loan guarantee approved by Rizhao Bank;
5. Personal credit status is good;
6. Other conditions required by Rizhao Bank.
Three. Sunshine Yidai application materials
1. The second-generation resident identity card and proof of marital status of the applicant and his spouse;
2, the applicant and his spouse work income certificate;
3, the main asset status certificate;
4. Commercial applications;
5. Personal credit inquiry authorization;
6. Proof of loan use;
7. Other information required by Rizhao Bank.
? Is Rizhao mobile phone number mortgage reliable?
Reliable. Mortgage payment is a formal business protected by official website's authentication law, and its business scope is within the scope permitted by law, so it is more reliable. Rizhao is a prefecture-level city in Shandong Province, which is located on the coast of the Yellow Sea in the southeast of Shandong Province.
How about easy loan for sunshine room of Rizhao Bank? Introduction to application conditions!
Many people have real estate in their names. If they encounter financial problems, they can mortgage banks and financial institutions and get large loans. Many banks have similar business. Today, we will introduce the real estate loan of Rizhao Bank, and you can learn about it.
I. Introduction of Easy Loan in Sunroom
"Sunshine-Real Estate Easy Loan" refers to the RMB mortgage loan business issued by Rizhao Bank and its authorized institutions to natural persons who meet the prescribed conditions for personal and family consumption. That is, the applicant applies for credit from Rizhao Bank with the real estate under the name of himself, his spouse or a third person as collateral, and Rizhao Bank gives the customer an approval limit according to the credit policy and the comprehensive situation of the customer, allowing the customer to use the loan funds within the agreed credit limit and period.
Second, the sun room easy loan application conditions
1, with full capacity for civil conduct, in good health, at least 18 years old, and the sum of age and credit (or loan) term is not more than 70 years old;
2. In principle, working in the place where the institution is located for a long time and living stably for half a year, and the business owner requires stable operation in the place where the institution is located for more than one year (inclusive);
3. Have a stable occupation and income source, work in the current unit for more than half a year in principle (inclusive), and the monthly income after tax is not less than 2,000 yuan;
4. The property where the agency is located can be provided as mortgage guarantee, and the property has obtained the title certificate, and the ownership is legal and clear;
5. Mortgagers (including * * *) must be at least 18 years old and have full capacity for civil conduct, in which * * * of mortgaged property must be at least 18 years old, and the sum of age and credit (or loan) period shall not exceed 70 years old;
6. Personal credit status is good;
7. Other conditions required by Rizhao Bank.
Third, the sun room easy loan application materials
1, business application;
2. Second-generation identity cards or legal and valid identity documents of both husband and wife (unmarried people need to declare single);
3. Proof of valid marriage relationship;
4. The income certificate of the applicant, including but not limited to any of the following documents: 6-month uninterrupted social security/provident fund payment certificate, 6-month personal income tax payment certificate, valid salary certificate issued by personnel or financial department, bank salary flow, etc.
5. Proof of property right of mortgaged property, including immovable property right certificate, house ownership certificate and state-owned land use right certificate;
6. The real estate * * * someone agrees to the mortgage commitment;
7. Personal credit inquiry authorization;
8. Proof of loan use (only the amount applied is not required);
The introduction of Rizhao mortgage is so far.