1. How to get a loan without a big red book?

For bank mortgage loans, the process is roughly as follows:

1. Confirm which bank is more suitable for you to get a loan (in terms of interest, amount and term)

2. Prepare the information according to the bank's requirements and go to the bank for an interview (ask clearly what information is required at one time and tell the truth to avoid having to fill in this and that at any time)

3. Wait for the bank's approval.

4. After the approval is issued, it will be easier if the house is in red book status, but it is usually in mortgage status, so another process is involved. You must first redeem the mortgaged house (generally after the interview, you should contact the account manager of the bank where you previously mortgaged the house to apply for early repayment), and pay back the money on the repayment date.

5. Obtain evidence. After repaying the money, usually 3-5 days later, you can go to this bank to get the original mortgage certificate. Then make an appointment online in advance on the day or the next day to collect the certificate and go to the Real Estate Certificate Property Registration Center to cancel the mortgage (this can save time)

6. After canceling the mortgage, it will take 3-5 days for the bank to get it. Get your certificate, and then the bank that has issued the approval will mortgage your house to them. Generally, they can lend you the loan within 3 days after the mortgage.

Basically, this process is all completed, and it takes almost a month from application to receiving the money. Faster than 20 days.

For more consultation and information, you can follow the wx official account "Shenzhen Sihai Finance"

2. If you are over 18 years old, which bank can you go to for personal unsecured payment?

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Do you have a job?

3. Which bank can I get a loan from when I am 18 years old?

If you apply through China Merchants Bank, our bank stipulates that the borrower must be over 18 years old, and the age plus the loan period must not exceed 70 years old.

If there is an outlet of our bank in your local area and you meet the loan conditions, you can try to apply to our bank. The application requirements and conditions for each loan type are different. First, what is the purpose of your loan? Loans from our bank are issued for specific loan purposes (such as buying a house, buying a car, running a business, studying abroad, etc.), and when applying for a loan, you must provide relevant supporting materials based on the "loan purpose". Since each branch carries out different types of loans, it is recommended that you first log in to the homepage of China Merchants Bank, click "Online Customer Service" in the upper right corner and select manual entry. After providing the city where the card is opened and the purpose of the loan, we will check for you whether the local branch has the type of loan you need. Application conditions and required materials.