There are (individual) better loan companies in Beijing: Beijing Yi Rong (Beijing Lending Link), Beijing Lending Link, Ding Guagua, CreditEase, He Xin, etc.

There are generally two channels for loans, bank loans and loan companies, both of which have their own advantages and disadvantages.

If you are not in a hurry to use money and have better qualifications, it will be more appropriate to choose a bank loan. If the qualifications are average or the money is urgently needed, it is more appropriate to choose a loan company.

At present, there are many loan companies in Beijing, but they are uneven, and some scammers have also mixed in. Therefore, it is very important to choose a formal institution.

1, regular companies will have fixed office space, official website and customer service telephone numbers. Be careful if there is only one website or customer service phone number;

2. At present, regular companies usually only handle local loans, claiming that all available companies in the country are basically liar companies;

There are a lot of materials needed for loan, but it is generally not credible to borrow money only by ID card.

Bank personal loans must meet the following conditions:

First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

2. Information that an individual needs to provide when applying for a bank loan:

Loan application; Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife * * * Letter of opinion from someone agreeing to the loan; Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). ); Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months); Loan contract.

For personal guarantee, the following information shall be provided:

Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife; Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). ); Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months); Personal bank credit information inquiry system; Notarization.

For corporate loans, the following information shall be provided:

Original and photocopy of business license, original and photocopy of tax registration certificate (national tax and local tax), organization code certificate, articles of association, ID card of legal representative of the enterprise, loan card (annual inspection) and credit certificate; Shareholders' consent; Financial statements: financial statements at the end of last year and the last three months (with audit reports). Including balance sheet, income statement, cash flow statement and bank statement (with bank seal); Special industries need to provide EIA data (EIA report, pollutant discharge permit).

Property mortgage should be issued:

Identity cards, household registration books and marriage certificates of both husband and wife; The property owner agrees to mortgage; Real estate needs to be registered.

This road needs special attention:

The conditions of the loan company are as follows

The loan requirements of each loan company are different, but they often include the following conditions:

1, identification: personal valid identification;

2. Income certificate: the monthly income after tax is more than 3,500 yuan, and the salary for nearly 6 months is provided;

3. Working years: continuous work in the current unit 12 months;

4. Social security requirements: social security payment records are required.

I want to apply for a loan. Which loan company in Beijing is the most reliable?

I suggest you choose formal channels to apply for loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply.

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.

4. There are two ways to apply for a loan within the lightning loan limit:

(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.

(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.