Write the application form in the middle of the first row, and empty two boxes in the second row to start writing the text: xxx, hello, because it has been closed recently, I can't repay the loan. Can you postpone the repayment of the principal until next month? Thank you very much. Then write my name and date in the lower right corner.
What is the best way to deal with insolvency?
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There are three main treatments. 1. Negotiate with the lending institution: when the loan is not repaid, negotiate with the institution for repayment as soon as possible; 2. Find ways to raise funds: you can borrow money from relatives and friends to repay, and then you must promise when to repay the principal and interest; 3. Give priority to loans with high amount: if you have income every month, you should also have a reasonable plan when repaying.
The latest policy of credit card suspension in major banks
1, Shanghai Pudong Development Bank Credit Card: 6-60! Generally reduced, especially accounts with universal funds.
2. Everbright Bank Credit Card: 6-60! Recently, the handling efficiency of China Everbright Bank has become higher.
3. China Merchants Bank Credit Card: 6-60 installments! The processing speed of China Merchants Bank has accelerated, and it will generally be accepted, but it has hardly decreased.
4. CITIC Bank Credit Card: Stop for 6-60 periods! The most common requirement is a down payment of 5%- 10%, but there are some unnecessary requirements.
5. Bank of Communications Credit Card: 6-60 installments! The characteristic of Bank of Communications is that the small amount can be divided into multiple periods, and only a few hundred pieces need to be paid back every month.
6. Industrial Bank Credit Card: 6-60 installments! The processing speed is faster and the given number of cycles is longer.
7. Huaxia Bank Credit Card: 6-60! The processing speed is relatively slow, and the number of issues is quite satisfactory.
8. Minsheng Bank Credit Card: 6-60 installments! Minsheng bank is the slowest bank, and the latest new rule is that it must be overdue for three months before it can be discussed.
9. China Construction Bank Credit Card: 6-60! The speed is slow and the number of issues is not high.
10, ICBC credit card: 6-60! The speed is slow and the number of issues is not high.
1 1, agricultural bank credit card: 6 to 60! It takes more than four months to apply, which is relatively slow.
Legal basis: Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks. Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.
The contents of personalized installment repayment agreement shall at least include:
(a) the balance, structure and currency of the arrears;
(2) the repayment period, method, currency, date and repayment amount of each installment;
(three) whether to charge annual fees, interest and other fees during the repayment period;
(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;
(five) the rights and obligations of both parties and the liability for breach of contract;
(6) Other matters related to repayment.
If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.
How to write an application for interest-free loan?
Conditions for bank interest-free loans:
1, age 18 to 45 years old, China citizen with full capacity for civil conduct;
2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.
6, good reputation, no bad records;
7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, it has not been determined whether individuals pay interest first, then financial subsidies, or financial interest in advance, but the financial discount is certain.
Every bank has different conditions for interest-free loans, but the above items need to be met, and then there will be more procedures. Everyone must prepare all the information before lending money, so as not to waste time running back and forth.
How to write an application for interest-free loan?
Model essay on rural interest-free loan application
Bank:
I am a native of provinces, cities, counties and villages. At present, my family's assets are: a square meter house with a value of 1 10,000 yuan (introduce my own experience and assets and liabilities).
In order to develop the economy, I want to contract a forest in my hometown and raise 100 sheep. Introduce how much it costs to raise sheep, how much money you can earn a year, and whether there is enough money to repay the bank loan.
Now I apply for a loan of RMB10,000.00 Yuan for mortgage or guarantee, with a term of one year and repayment at maturity.
Please approve
Applicant:
Article 470th of the Civil Code stipulates that the contents of a contract shall be agreed by the parties, which generally includes the following clauses:
(1) The name and domicile of the party concerned;
(2) Subject matter;
(3) quantity;
(4) quality;
(5) Price or remuneration;
(6) Time limit, place and method of performance;
(7) Liability for breach of contract;
(8) Methods for resolving disputes.
The parties may conclude a contract by referring to the model texts of various contracts.
Second, the conditions of rural interest-free loans
The applicant is honest and trustworthy. Only those farmers with good character and good prospects can easily get through when they apply for interest-free loans in rural areas. Although they are in financial difficulties, they have a good reputation. They work hard with the money from interest-free loans and can keep their promises and repay on time. On the contrary, those farmers with poor character, poor reputation and bad faith have to bear greater risks when lending money to them, and it is difficult to pass ordinary loans, let alone interest-free loans.
The purpose of the applicant's loan is a project supported by the state. Farmers who produce and develop agriculture and aquaculture supported by the state in rural areas are eligible to apply for interest-free loans in rural areas. Agriculture, rural areas and farmers have always been the leading factors in China's economy, and national policies have also supported some rural production activities. Giving these producers the ability to apply for interest-free loans in rural areas can better stimulate their enthusiasm.
The applicant has the ability to repay. Loans from any institution must be repaid in the end, and applicants for rural interest-free loans must also have the ability to repay in full and on time, otherwise credit cooperatives will not give you loans.
How to write the application for loan relief?
Request for loan interest relief
notification
Leaders:
I am xxx, male, from a new city, 40 years old. I worked in the people's government of the new urban area and worked as a secretary for many years. Due to the reality and environment of villages and towns in the past, and thanks to the concern of leaders at all levels, I started to handle loan business in your bank from 1999. My salary has been suspended by the Municipal Finance Bureau since 2002 after the city cleared up the loans for public officials. Now, with the help of your leaders, I have signed a letter of commitment with your bank and the Municipal Finance Bureau, and I am willing to repay all the loans. However, because my parents are old, my family is average, my children are studying and my wife has no job, I had a car accident this year and spent a lot of money. I really can't say anything. I hereby urge the leaders to pay more attention and reduce some loan interest. The whole family will be grateful here!
Salute!
Applicant: XXX 2065438+65438 10 +00 65438 in 2006.