This is personal business, not corporate business, and corporate business is not open for the time being.
Application conditions:
1. Be a resident of mainland China who is over 18 years old.
2. Have a stable residential address and work or business location.
3. Have a stable source of income.
4. No bad credit record.
The application method is: it can only be applied through the account manager of each business outlet, and you can apply at a local bank.
How is interest calculated?
Fu e-loan interest rates are divided into two types. For civil servants, it is 0.02%, which is 2 yuan a day for 10,000 yuan. For self-employed people or freelancers, it is 0.03%, and 3 yuan a day for 10,000 yuan. =Principal*Interest rate*Number of borrowing days.
How to increase the chance of loan success?
1. Reasons for borrowing: During the process of applying for a loan, the borrower should be honest and clear about the reasons for the loan, and write down in detail the purpose of the loan and the personal advantages in repaying the loan. For example: good personal credit record.
2. Borrowing amount: The amount of the loan the borrower applies for at the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what the lender wants. They are sure You don’t want your loan funds to be disbursed within half a month. Therefore, in order to increase the chance of successful loan review, it is recommended to appropriately reduce the loan amount. This will greatly increase the hope of passing the bank review.
Bank loan refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees to return the funds within an agreed period. Generally, you are required to provide a guarantee, house mortgage, or proof of income, and have a good personal credit report before you can apply.
Moreover, in different countries and in different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in the United Kingdom mostly take the form of bill discounts, credit accounts, and overdraft accounts.