1. Industrial and Commercial Bank of China 95588. Bank of China 395566. Agricultural Bank of China 95599. China Construction Bank 95533 5. Guangdong Development Bank 95508 6. Shanghai Pudong Development Bank 95528 7. CITIC Industrial Bank 95588. Postal savings and remittance bureau 1 188. 9. Industrial Bank 9556 1 10. Shenzhen development bank 9550 1 1. Bank of Shanghai 962888 12. Minsheng bank 95568 13. Bank of communications 9559 13.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different. According to different classification standards, there are many types of bank loans. For example:
1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the loan scale, it can be divided into wholesale loans and retail loans;
6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
Successful lending can refer to the following skills:
1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
What is the loan telephone number of China Bank?
Bank of China has no special loan line. Customers can call the national unified customer service hotline of China Bank at 95566, and transfer to manual customer service to inquire about loan-related matters according to voice prompts. In addition, customers can also inquire the telephone number of the nearby branch of China Bank through manual customer service, and then call the customer service number of the branch for consultation.
What's the telephone number for more information about the loan from the Bank of China? Go to: See more.
How to consult China Bank's mortgage?
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.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.