The ways to apply for credit loans are:
1. Bank outlets: Applicants should bring their ID cards and copies, property certificates, marriage certificates, etc. , and handle credit loans at the counters of nearby bank outlets. Generally, banks will lend money according to the information submitted.
2. Online Banking: Applicants can log in to the online banking of a bank, find a credit loan in the personal loan column of official website, and click Apply.
3. Loan supermarket: Now many online loan companies provide credit loans. You can get the above credit loans by downloading a loan supermarket on your mobile phone.
Problems needing attention in bank credit loan
Because the bank credit loan is a loan issued entirely by the payer's credit, there is no need to provide mortgage and guarantee when handling it. What customers need to pay attention to is their own credit. Only when the personal credit is good and there is no bad credit record in the credit investigation can you get a credit loan in the bank.
If the customer's credit is not good, there are bad records such as overdue credit information, and it is impossible to apply for a credit loan in the short term. Customers must first find ways to maintain their credit. After a period of time, after the credit information is repaired, they will go to the bank to apply for a credit loan.
The above contents refer to Baidu Encyclopedia-Credit Loan.
How to borrow personal credit loans?
You can apply for a credit loan through the following channels:
1. You can apply for a credit loan through online banking: the applicant can log in to our online banking, find the option of personal credit loan in the column of personal loan in official website, and then apply;
2. Handling credit loans through loan software: Applicants can choose a formal and credible online lending platform to apply;
3. The applicant can also bring the original and photocopy of ID card, asset certificate and marriage certificate. , and handle credit loans at the counter of bank outlets.
How to apply for personal credit loan?
Personal credit loan processing flow:
Approval form for loan application.
Proof of address.
Proof of occupation and income and other information stipulated by the bank.
After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.
Finally, the bank issues loans to borrowers through transfer.
I. Personal credit loans
Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees.
When banks apply for personal loans, banks have requirements on the use of loan funds.
The bank will stipulate that the loan applicant shall not use the loan funds in the production, operation and investment fields explicitly prohibited by the CBRC, and the borrower shall provide a certificate or statement on the use of the funds.
Second, the application conditions
China citizens who have permanent residence in China and permanent residence in local towns and have full capacity for civil conduct.
Have a good job with a just and stable income and the ability to repay the principal and interest of the loan on time.
Law-abiding, no illegal acts and bad credit records.
Obtained a personal credit rating above Grade A in China Industrial and Commercial Bank.
Open a personal settlement account in China Industrial and Commercial Bank.
Other conditions stipulated by the bank.
How to get a credit loan?
Take going to the bank as an example. The specific operation is as follows: 1. The borrower brings personal ID card, work certificate, household registration book, residence certificate, salary flow, personal credit record and other supporting materials to the bank counter to fill out the application form for bank card.
2. After the application, submit the materials to the bank awaiting trial for review, and the results of the review will be notified to the borrower by SMS. The audit time will generally not exceed seven working days.
3. After approval, the bank will transfer the loan to the borrower's account.
Due to the high risk of credit loans, general institutions will conduct detailed investigations on the economic benefits, management level and development prospects of borrowers in order to reduce risks. Banks with credit loan products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.
Users can apply for credit loans through banks, loan companies, electronic financial institutions and other channels. Credit loan means that users can get loans only by reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee.
Bank credit loan is a kind of loan issued by the bank on the basis of the applicant's credit. The loan applicant does not need to submit collateral or collateral. Because it is a pure credit loan, the general bank will adopt the invitation system, and the banking business is more, so it is easier for users with certain deposits and wealth management to obtain loans.
How to borrow personal credit loans?
When applying for a credit loan, the borrower does not need to provide mortgage collateral, and the user can enjoy the credit card limit only by meeting the loan conditions of financial institutions. As long as the user is over 2 1 year old and has a good personal credit record, he can apply for loan business with the personal property certificate provided.
Users can apply for credit loans through banks, loan companies, online lending platforms and other channels. As long as the loan applicant has good personal qualifications, he can apply for a certain loan amount. The advantage of credit loan is that the application procedure is simple and the loan is fast, but the loan interest rate is higher than other loan businesses, so users need to carefully consider whether they need it when applying for a loan.
If users want to apply for a credit line, borrowers need to have good personal qualifications and credit records to obtain a much higher credit line. When applying for a credit loan, the loan applicant can bring personal ID card, residence certificate, work certificate, household registration book, salary flow, personal credit record and other supporting materials to the bank counter to apply for a loan.
After the user successfully applies for the loan business, the bank will transfer the loan to the borrower's account. Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Borrowers can get unsecured credit loans from banks as long as they have stable jobs, monthly payments, insurance policies and other qualifications.
How to get a credit card loan
Credit card loan process:
1. You need to apply for a credit card from the bank and submit relevant supporting materials, such as identity certificate, income certificate and work certificate. , and your personal credit is good;
2. Waiting for bank approval;
3. After approval, you can get a card with a certain credit limit granted by the bank.
After the applicant activates the card, he can swipe his card to buy the required goods. However, after the credit card is overdrawn, the cardholder must repay in full and on time to avoid leaving a bad credit record.
Credit card loan definition:
Credit card loan is a credit card installment business launched by banks. The loan amount that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit, and banks only charge fees. The fee rates are different at different stages.
Credit card loan terms
1. Hold the credit card of the bank applying for loan;
2. Good card use record;
3. There are restrictions on the types of credit cards, such as China Merchants Bank business card, official card, purchase card, ANA guarantee card or supplementary card, and cash installment business is not supported;
4. Cash installment funds shall not be used for investment (including but not limited to equity investments such as house purchase, stocks and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).
Six banks support credit card loans:
At present, Industrial Bank, Guangfa Bank, Ping An Bank, China CITIC Bank, Shanghai Pudong Development Bank and Huaxia Bank provide credit card loan functions.
At present, the application for credit card loan business is not very strict. As long as you have good credit and no bad repayment record, you can generally apply. The main methods used by banks are telephone invitation or active application by customers. In this way, they can apply for loans ranging from 5,000 to 200,000.
Credit card lending business is only suitable for short-term borrowers. They can be used on it, but they are not suitable for long-term borrowers. Because after the credit card transfer, although the cardholder can repay the loan in installments, the longer the installment time, the higher the interest. The monthly interest rate of 12 installment is about 0.75%, which means that 10000 yuan will have interest from 75 yuan. If you borrow 50,000 yuan in advance, 12 installment repayment, the monthly interest rate is 0.75%, and the annual interest is 4,500 yuan. At present, the interest rate of personal loans for six months to 1 year (inclusive) is 6.06%, and the interest rate of loans for more than five years is 6.60%. Compared with traditional loans, the cost of credit card transfer loans will be higher.
The difference between credit card loans and consumer loans
The scope of use of the two is different.
Generally, bank consumer loans will be earmarked for cardholders. For example, housing loans can only be used to buy a house, car loans can only be used to buy a car, decoration loans can only be used for decoration, and consumer loans can only be used for specific types of consumption. Credit cards are more widely used and relatively flexible. After applying for a credit card, all merchants who can pay by credit card can pay by credit card.
The cost is different.
Consumer loans do not enjoy interest-free period, and lenders need to repay each installment on time from the effective date of the loan, so the loan cost is inevitable. Credit cards enjoy a maximum interest-free period of 50 -56 days, during which cardholders can freely overdraw. As long as the repayment is made in full before the due repayment date, there is no need to bear the capital cost.
The convenience of application is different.
Consumer loan application is troublesome, complicated and strict, and usually takes a long time. In many cases, applicants need to provide more supporting documents, even mortgages and guarantees. Applying for a credit card is relatively easy. Customers can apply for credit cards through offline outlets of banks, official website, WeChat and mobile apps. In the application process, you only need to provide personal information and application materials such as work certificate and income certificate. Credit card approval time is relatively short, and it is more convenient to apply.
The two repayment methods are different.
Consumer loans can be repaid regularly, while credit cards can be repaid in full, in installments or at the minimum repayment amount, which provides more convenience for cardholders.