The minimum annual interest rate of fast e-loan is 5.6%, which is relatively low in many banks' small loan products. However, each user's personal qualifications are different, and how low the interest rate can be applied depends on the actual situation.
Agricultural Bank of China Online Loan: Online loan is a small loan product for ABC customers. 24-hour special person for approval, users can apply for a maximum amount of 300,000 yuan. Netjet loan repayment method is different from other small loan products. Online lending only supports one-time repayment, not installment repayment. The longest loanable period of NetJet loan is 1 year.
China Merchants Bank's lightning loan: Lightning loan is a small loan product under China Merchants Bank, and the maximum amount users can apply for is 300,000 yuan. The longest loanable period of lightning loan is 24 periods, that is, two years. The minimum daily interest rate of the loan is 0.0 18%. Users can choose to pay interest on a daily basis in a lump sum or in installments. There is no charge for repaying the loan in advance.
Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. 2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage. The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party. At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.
1. Can the house being mortgaged be mortgaged?
A mortgaged house can be mortgaged. At present, many banks have this kind of business and can ref