Personal credit loan is a loan service based on personal credit and repayment ability. No mortgage or guarantee is required, but certain identity, address and income proof are required. At present, there are many institutions that can provide personal credit loans, such as major banks, China Merchants, ICBC and Ping An. And there are also some companies that specialize in small loans, such as Zhongan Xinye and CreditEase. Different institutions have different loan requirements, processes and approval quotas. Zhongan Xinye is the earliest personal credit lending institution in China, with many business outlets and good reputation. ICBC is listed below, and its application conditions are as follows:
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by the bank.
In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:
(1) Senior and middle managers and senior professional and technical personnel who are high-quality corporate customers of banks;
(2) Personal assets of more than 2 million yuan (inclusive);
(3) Peony Platinum Card customers;
(4) Having held our personal wealth management account 1 year or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);
(5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).
Second, what are the conditions for elite loans?
Question 1: What are the requirements for flash banking elite loan? The advantage of flash bank elite loan is the amount, which can be divided into 12 installments, and the next installment is fast, which is exclusive to wage earners.
At least two of the following items are authorized
Operator, China People's Bank Credit Information, Address Book.
The following items:
Online banking, social security, credit card email, provident fund, Taobao, JD.COM, face recognition.
After completing the above, you can get a loan.
Question 2: How to handle the elite loan of CreditEase? What are the conditions for elite loans? You've never heard of this. Choose the popular Tencent financial management, which is a Tencent product and a money fund. The daily rate of return of money fund operation is different, and the current income is relatively stable. There is almost no risk.
Question 3: Information? Information required for loan:
1. Loan;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's annual salary income certificate or tax payment certificate (local);
5. Real estate title certificate;
Please note:
1. Only collateral is needed, which is1/2 of the total interest evaluation during the loan period;
2. Sufficient long-term stability to support it.
3. Age limit of the borrower: the age of the male shall not exceed 65 years, and the loan period shall not exceed 60 years;
4. Enter the levy; The loan needs to pay lawyer's witness fee, mortgage registration fee and evaluation fee. It usually takes about 1 month to get a loan.
Process:
1
2. The amount of mortgaged property after bank acceptance;
3. Open a personal current deposit account and sign a loan contract.
4. Apply for real estate mortgage registration;
5. Bank loans.
Question 4: The difference between wage loan and elite loan. Elite loans generally have good qualifications, and interest will have some advantages over ordinary wage loans.
Question 5: What conditions do banks need? Now the so-called application to the bank is actually an application for a personal credit loan, and the lender's credit status is good. It is really a good financing channel for people who are in urgent need of money and can't borrow money from others. What are the requirements for applying for a bank?
Let me talk about the application conditions first:
First, age:
Generally 18 to 60 years old, it is enough to be responsible for what you do. Professionally, they have full capacity for civil conduct. Some qualities limit the age to 25 to 50. Isn't it unfair not to get it under the age of 25? It's too old for a loan. Maybe one day I'll say goodbye. The lent money went to Shui Piao. Banks are not money-making machines, are they?
Second, the monthly income:
An average monthly income of 2000 yuan is enough, and you can get the minimum amount of loan scope if you meet the basic conditions. Well, it is less, but it can solve the problem. Of course, your monthly income will also lend you more money. If you earn more than 5000 yuan a month, it is estimated that you are the object of robbing silver, which is very fulfilling. You used to have a long relationship with the bank. Why are you so enthusiastic all of a sudden? Ha ha. You can borrow 20,000 to 30,000 yuan a month, and it is not a problem to borrow 200,000 yuan for more than 5,000 yuan.
Third, occupation:
Of course, the premise is stability, and I don't care if it is unstable. Banks like people who have stable jobs, such as teachers and civil servants. They are all treasures of banks. When you have a stable job, you will be a white-collar worker in a small city with a monthly income of more than 2,000 yuan. It is ok to borrow 50,000 to 60,000 yuan. If you are an elite, such as a lawyer, a certified public accountant, a professional manager or an employee of a Fortune 500 company, the bank really loves you, so it can't be called a small loan. The bank that lent you 0.2 million/200 thousand is too small.
Basically, it is the above three conditions, and your own credit history is relatively good, so it is really easy to apply for a bank.
Question 6: What are the procedures for the elite loan of Sichuan Tianfu Bank? Do I have to have an account? Documents required for loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
Question 7: What are the requirements for Pleasant Loan to apply for ordinary model/work elite loan? It is best not to make online loans yourself.
Question 8: What are the conditions for an equal principal repayment loan? You can't apply for a loan in this situation, and the conditions are not enough.
Question 9: Who knows how much interest you need to pay for a pleasant loan of 65438+100000 a year? Elite loans are still divided into two kinds of interest. What are your interests? Where are you from?
Question 10: What are the procedures for loan? Private lending refers to lending between citizens, citizens and legal persons or other organizations. Lenders and borrowers must be voluntary. A loan relationship formed by one party through fraud, coercion or taking advantage of others' danger to make the other party go against its true meaning shall be deemed invalid. Lending between natural persons can be done in writing or orally. The receipt shall specify the names of both parties, loan amount (Chinese), currency, loan time, loan purpose, loan interest rate, repayment date, repayment method, liability for breach of contract and other legal contents agreed by both parties. The lender shall issue a receipt when repaying the loan, and the repayment person shall keep the receipt properly. Determination of loan interest rate. If the natural person has no agreement or unclear agreement on interest in the contract, the contract law clearly stipulates that if the parties have no agreement or unclear agreement on interest, they shall be deemed not to pay interest. If the loan contract between natural persons stipulates to pay interest, the loan interest rate shall not violate the relevant provisions of the state on limiting the loan interest rate. The maximum shall not exceed four times the interest rate of similar loans (including the principal interest rate) of banks.
3. What are the conditions of credit loan?
Let's take a look at how to handle personal credit loans.
1, age 18 years old or older;
2. A natural person with full capacity for civil conduct;
3. Proof of permanent residence or valid identity card;
4. Personal credit information has no bad records;
5. Have a stable source of income;
6. Relevant property certificates (purchase contract, purchase contract, investment plan, etc.). );
7. Other conditions stipulated by bank lending institutions.
1. The borrower shall submit to the bank a series of materials other than the ID card, including: loan application form, proof of residence address, proof of occupation and income, and other materials specified by the bank;
2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract;
3. The bank issues loans to borrowers through transfer.
1, personal consumption loan
Refers to the behavior that citizens with a certain income apply for a loan from a bank and provide a certain guarantee, return the loan at maturity and pay interest. It mainly includes: personal durable consumer goods loans, personal housing decoration loans, personal student loans, personal travel loans, automobile consumption loans and other business varieties.
2. Personal housing loan
Refers to the loan issued by the bank to the borrower for the purchase of self-occupied ordinary housing.
3. Personal microfinance
Refers to the RMB credit loan issued by banks or other financial institutions to borrowers with good credit standing without providing guarantee. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years.
4. Personal commercial loans
Personal business loan refers to the loan issued by the bank to the borrower for the borrower's legal production and business activities such as moving, purchasing or updating business equipment, paying the rent of leased business premises, and decorating commercial housing. High loan amount: for example, the maximum loan amount of personal business loans of China Merchants Bank can reach 30 million; China Industrial and Commercial Bank is 6,543,800 yuan; Long loan term: general credit can reach 10 year, and a single loan can reach 5 years;
1. It is necessary to check the indispensable personal credit records of the central bank. Good credit information is the premise, that is, bad records such as overdue credit cards and loans overdue will affect the approval.
2. Job stability is also a personal qualification assessment. Full-time employees of top 500 enterprises, state-owned enterprises and institutions are favored by bank credit loans because of their relatively stable jobs and very stable incomes.
3. Description of financial resources: If there is a real estate in the name, the real estate information of the house can be used as qualification materials, and large deposits are favorable descriptions, not necessarily necessary conditions.
Four, credit cooperatives credit loans to meet what conditions?
Credit cooperative loan conditions:
1. Applicant 18 years old or above, local resident or with local long-term residence certificate;
2. The applicant has good assets and sufficient repayment ability;
3. basic account or general deposit account must be opened in rural credit cooperatives;
4. Personal credit status is good, and there is no major bad credit record;
5. The borrower's existing assets should reach more than 30% of the total capital demand, that is, the borrower's debt ratio should not be higher than 70%.
6, need to meet other conditions stipulated by the local rural credit cooperatives. ?