There are about 50 formal credit loans and more than 30 car loans in Changsha. Formal and reliable, such as China Post, China Bank, CreditEase, Ping An, etc., are more reliable. Zhongan Xinye, an enterprise company that provides fast, simple, unsecured and unsecured small personal loan services for individual industrial and commercial households, small business owners and low-income families, opened a branch in Changsha.

There are many loan companies in Changsha. Each company needs different application materials and different interest rates. It is recommended to apply for a bank loan with a lower interest rate.

Loan business conditions:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

Materials to be prepared for the loan:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

The loan process is that you submit your personal loan demand and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant, arranges a special person to contact the loan applicant, and if the contact person passes the preliminary review, instructs the loan applicant to provide the required materials, then conducts an audit, and finally reaches the loan.

There are many formal credit companies in Changsha.

Personal Entrepreneurship Loan: Flexible Preferential Policies

Mr Liu has been working for others since he was laid off in 2000. Later, he came up with the idea of starting his own business and decided to open a single apartment. According to the budget, the expenditure on decoration and purchase of simple furniture is 30,000 yuan; The landlord requires a one-time payment of 1 year rent, and three houses need to be paid in advance 1 10,000 yuan, so the overall start-up capital is 40,000 yuan. Under the guidance of a friend, he took the house he lived in as a mortgage and went to the bank to apply for a commercial loan. After the loan was obtained, Mr. Liu discovered that this kind of loan not only had simple procedures, but also enjoyed a downward interest rate of 20%. With this venture loan, Mr. Liu's single apartment opened soon and the business was very prosperous. After deducting the loan interest and other expenses, the monthly net rental income is about 2000 yuan.

Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. At present, ICBC, Bank of China, Agricultural Bank, Shanghai Pudong Development Bank, CITIC Industrial Bank and Bank of Communications have all launched personal business loans. For example, the first personal loan center established by Agricultural Bank of China in Sichuan Province can solve the loan through the mortgage pledge of shops, houses and securities, and the guarantee provided by powerful people. The maximum loan amount can reach 2 million yuan.

Mortgage: to get rich by mortgaging other people's property rights.

Mr. Zhao used to be a driver in a factory. After the company bought out the seniority and got a compensation, he became unemployed. At this time, expressway began to be built in his area, and a large number of engineering vehicles were needed for civil construction. At present, most engineering contractors do not buy their own vehicles, and use outsourcing to solve the problem. After some investigation, Mr. Zhao thinks that it is a very good way to make money to buy a transport vehicle to undertake civil engineering, but buying a car requires a lot of money, and the cheapest dump truck is less than 80 thousand, and he only has more than 20 thousand yuan to buy out the compensation for the length of service, so he has to turn to the bank for help.

With the help of the bank staff, he first took a fancy to a15t dump truck in a designated car dealership, and signed a mortgage loan contract of 60,000 yuan with the bank. Finally, after paying a down payment of more than 20,000 yuan, he drove his new car home and quickly took over the earthwork of the construction site. Today, Mr. Zhao's monthly income reaches more than 8,000 yuan, and he is preparing to take out a loan to buy another car.

Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral in accordance with the mortgage method stipulated in the Guarantee Law. When handling mortgage loans, banks should keep the relevant property rights certificates of collateral, especially housing mortgages and auto loans. The house can be used and the car can be driven, but strictly speaking, the property right has been mortgaged to the bank, and all you have is the right to use it. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan.

If starting a business needs to buy commercial housing along the street, you can apply for a commercial housing mortgage loan from the bank with the house to be purchased as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years. If you need to buy cars, trucks, buses, engineering vehicles and operate taxis, you can apply for a car loan like Mr. Zhao. Generally, this kind of loan does not exceed 80% of the purchase price, and the loan period does not exceed 5 years.

Develop credit resources. Ms. Li wants to open a cosmetics chain. According to the requirements of the headquarters, she needs to pay 50 thousand yuan for various expenses. She has 10000 yuan in cash and a deposit certificate of 50000 yuan. She had intended to withdraw early, but

According to the calculation of the bank financial planner, the fee income is 2244 yuan more than the early withdrawal. As a result, she handled a small amount in the bank, which not only raised venture capital in time, but also avoided the interest loss of early withdrawal.

The starting point of the certificate of deposit is generally 5,000 yuan, and each loan does not exceed 80% of the pledged denomination. Under normal circumstances, loans can be obtained at bank outlets on the same day. In addition, you can easily get loans from banks for government bonds and life insurance policies.

The Measures for Voucher-type Treasury Bonds stipulates that all voucher-type treasury bonds issued after 1999 (inclusive) can be used for treasury bonds. The starting point of national debt is 5000 yuan, and each loan does not exceed 90% of the denomination of pledged national debt.

Of course, if you get the written consent of your relatives and friends and show your valid identity documents, you can also use your relatives' certificates of deposit, voucher-type government bonds and life insurance policies.

Are there many long-term loan intermediaries in Hunan?

Are there many loan intermediaries in Changsha, Hunan? There are many loan intermediaries in Changsha, Hunan.

There are many intermediaries in every city.

Loan intermediary refers to cooperation with banks. The main body of the loan is the bank, and the intermediary helps you find the most suitable product in the fastest time, and collects a certain handling fee from it.

The loan intermediary exists as a turning interface that transforms the unified interface of the bank into a variety of customers. It is more like a microchannel that flows into the borrower's market.

Did Xin find that the intermediary loan is true?

Yes Changsha Xin found that the agency is a patent agency. Changsha Xin found that the intermediary loan is legally registered and certified by the Ministry of Industry and Information Technology, and it is a legitimate enterprise with formal and legal business documents, so it is true. Changsha Newly Discovered Enterprise Management Consulting Group Co., Ltd. was established in 065438+ 10/2022 10.