If you need a loan of hundreds of thousands or hundreds of thousands, and there is no collateral, you might as well go to the Postal Savings Bank, or Ping An Easy Loan, or whether Standard Chartered Bank has a mortgage loan (I don't know if there is one), but the interest is a bit expensive.
If you need millions, you'd better go to a commercial bank or a state-owned bank. Generally, you need collateral or other means of guarantee.
Question 2: Which banks have more small loans, such as Bank of China consumption, industrial and commercial small loans, postal savings, etc. Of course, not everyone can borrow money, and certain conditions are needed.
Question 3: What bank do you want to find for microfinance? Microfinance is no longer a bank.
Question 4: Which banks can handle unsecured small loans? Basically, every bank has unsecured and unsecured loans, but the methods are different, the information required is different, and the interest is different.
Unsecured loans are actually personal credit loans! Under normal circumstances, personal credit loans are provided by banks. As long as your qualifications meet the requirements of personal credit loans, you can apply for loans! Elements of personal credit loan
1. Loan object
Commercial banks generally have strict rules for borrowers of personal credit loans. To apply for a personal credit loan, you must first meet the following basic conditions:
(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) having a legitimate and stable economic income and the ability to repay the principal and interest of the loan on schedule; Law-abiding, no illegal acts and bad credit records;
(3) Opening a personal settlement account in a lending bank (it is agreed that the borrowing bank will deduct the loan principal and interest from the personal settlement account designated by it);
(four) other conditions stipulated by the banks.
2. Loan interest rate
The interest rate of personal credit loans shall be implemented in accordance with the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China, and the floating range shall be implemented in accordance with the relevant provisions of the People's Bank of China. The interest before the extension is calculated and paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest shall be calculated according to the 1 year loan interest rate listed on that day from the extension date.
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3. Term of the loan
The term of personal credit loan is generally 1 year (including 1 year), and the longest is no more than 3 years. Banks usually carry out personal credit rating every year, and determine the extension of personal credit loans according to the credit rating. 4. Repayment method
If the term of personal credit loan is within 1 year (including 1 year), the repayment method of monthly interest payment, monthly, quarterly or one-time repayment of principal shall be adopted; If the loan term exceeds 1 year, the repayment method of monthly principal and interest shall be adopted. 5. Loan amount
Banks determine different loan quotas according to the credit rating of borrowers and the conditions of specific applicants; And report to the superior for approval according to the authorized authority and different quotas. The regulations on the specific amount vary greatly from bank to bank. Loan is mainly based on the actual use of your loan to determine your loan method! You can submit a loan application online, and you can check your loan progress in 2 to 3 working days (except weekends and holidays)!
Question 5: Which banks can handle small loans? Where are you? At present, there are many banks that can handle small loans. If you are in Shanghai, you can find Zhejiang Tailong Commercial Bank, which specializes in small business loans. The customer's telephone number is 4008896575, which is also available in Zhejiang Mintai Commercial Bank. Relatively speaking, the professional service of Tyrone Bank is better.
Question 6: What are the online micro-loans of banks? Our loan application methods are flexible and diverse: ① You can submit relevant information and directly contact the personal loan department of local outlets to apply for a loan; ② At present, online order taking is also supported. Please go to the homepage of China Merchants Bank, click "Air Banking"-"Air Loan", enter your loan requirements (amount, term and purpose) and leave your contact information. The aviation loan manager will contact you later to accept your loan application.
Question 7: What are the advantages and disadvantages of small loan companies compared with banks? Generally speaking, compared with banks, small loan companies are more likely to get loans, and people who are in urgent need of money pay attention to timeliness, so they hope to get money as soon as possible. Why fast? For example, banks need 654.38+00,000 houses as collateral, while small loan companies only need 500,000, which is relatively easy to get. However, getting it quickly comes at a price, that is, higher interest than the bank. People who are in urgent need of money can generally get it, and interest is not the most important reference factor, so they generally prefer to go to microfinance companies.
One more thing, banks generally lend to companies with certain credit and repayment strength, so the risk of non-repayment is low, and the two sides borrow mainly for the circulation of funds, rarely because of "lack of money loans", so their loan targets are not those companies that urgently need money for high-risk investment. This provides high-risk profit opportunities for microfinance companies. People who are in urgent need of money are more willing to go to microfinance companies for loans, because banks are generally reluctant to give them loans.
Question 8: What are the types of microfinance? What are the requirements for personal microfinance?
1, must be a China citizen with full capacity for civil conduct, generally required to be between 18-60 years old, and some banks will limit it to 25-50 years old;
2. Have a fixed residence in China, or have a fixed residence in a local town (or a valid residence certificate), or have a fixed business place;
3. Have a legitimate occupation and a stable economic income, with a monthly income of more than 2,000 yuan, and have the ability to repay the principal and interest of the loan on schedule;
4. Personal credit information is good and there is no bad credit record. Generally speaking, banks only check the credit status of borrowers in the last two years;
5. Loans cannot be used for stock trading, house purchase or gambling.
6. Other personal microfinance conditions stipulated by banks.
What materials do banks need to handle personal microfinance?
1, valid ID card and marriage certificate of myself and my spouse (unmarried certificate or single certificate is required);
2. Stable proof of address, such as residence permit, household registration book, water and electricity bills, property management fee documents, etc.
3. proof of income. The general bank will require the borrower to provide proof of salary flow or labor contract for nearly three months.
4. Borrowers applying for personal small mortgage loans also need to provide relevant guarantee certificates, such as real estate licenses and housing transaction contracts.
Question 9: What are the application procedures and conditions for formal bank microfinance? General loans need a stable source of income to be handled, but they also need to look at the specific requirements of banks. It is suggested that you can go to a formal lending institution for detailed inquiry.
Conditions for applying for small loans:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.