What should I do if I want to get a quick loan of 50,000 yuan? Share some plans!

After years of development, the financial industry has gradually formed a certain scale and launched a variety of loan channels. As an ordinary citizen, there are too many choices. If you want to get a quick loan of 50,000 yuan, you must first understand the following things.

1. Personal loan

If you want a one-time loan of 50,000 yuan, the bank will focus on reviewing the borrower's age, education, assets, credit, occupation, position, salary income, and family situation , place of residence, etc. Among them, credit and income are two more important points. On the one hand, the user's integrity must be examined, and on the other hand, the repayment ability must be ensured.

If the limit is around 50,000 yuan, it will be difficult to apply for a credit loan. Unless your personal qualifications are very good, you can consider a mortgage-guaranteed loan.

Common loan types include: monthly loan, insurance policy loan, provident fund loan, social security loan, personal tax loan, car loan, housing loan, etc. See what qualifying assets you have in your name, and you can use them to Information to apply for a loan.

1. Monthly loan payment. There is a mortgage in your name, the monthly payment period is at least 3 months, and your personal credit is good.

2. Insurance policy loan. There are policies with high cash value, and the annual payment amount is more than 2,000 to 5,000 yuan.

3. Provident fund loan. Have a stable job and pay provident fund continuously for more than half a year.

4. Personal tax loan. Apply for a loan with monthly tax receipts.

2. Enterprise loans

If it is a small and micro enterprise, a loan of 50,000 yuan is relatively simple, and many banks have related businesses. It is generally required that the company has been registered for more than 2 years, has a normal annual tax payment, and also needs to provide corporate statements, including balance sheets, profit and loss statements, cash flow statements, etc. in recent months.

If you want to apply for a loan with a higher limit, you also need to provide qualified mortgage collateral. The bank will verify it. You can go to the branch to find out the specific situation. How to get a personal loan of 50,000 yuan

If an individual wants to borrow 50,000 yuan, he can choose to apply for a credit loan. Bring his personal ID card, proof of residence (household registration book or temporary residence permit), and proof of income (such as bank statements, pay stubs) ) Just go to the branch of the selected bank or other licensed financial institution to find a staff member and apply for a loan.

Of course, customers can also directly find a loan platform to borrow money through online channels. Many banks also provide online loan products, and customers can also apply online through online banking/mobile banking and other channels.

As for credit loans, as long as the customer is over 18 years old and has full civil capacity; and has good personal credit, no bad records in the credit report (big data); and has a stable source of income, and has the ability to repay the loan on time If you have the ability to pay principal and interest, you can usually get the approval smoothly.

In addition to credit loans, if the customer has certain assets in his name, he can also mortgage the assets to apply for a mortgage loan. When applying, just prepare the relevant ownership certificates of the mortgaged property. Note that the collateral must have sufficient value space and clear ownership. If it is not unique to an individual, the written consent of the owner of the property rights must be obtained.

Interest calculation

Usually calculated according to the formula: interest = principal × interest rate × loan term. The key depends on the type of interest rate, such as daily interest rate, monthly interest rate, or annual interest rate. The three interest rates are convertible to each other.

Where annual interest rate = monthly interest rate × 12 (months) = daily interest rate × 360 (days); monthly interest rate = annual interest rate ÷ 12 (months) = daily interest rate × 30 (days); daily interest rate = year Interest rate ÷ 360 (days) = monthly interest rate ÷ 30 (days).

For example, assuming the personal loan amount is 50,000 yuan and the daily interest rate is 0.05%, the daily interest is 25 yuan, the monthly interest is 750 yuan based on 30 days, and the annual interest is 750 yuan. Calculated for 360 days, it is 9,000 yuan.

Note that the calculated interest may be different depending on the repayment method. For example, if you repay equal amounts of principal and interest, or repay equal amounts of principal, for the same amount and loan period, the interest to be paid will be more if you pay equal amounts of principal.

I need 50,000 yuan urgently. How can I borrow it quickly?

1. Cash withdrawal by credit card. Nowadays, credit cards are so popular that almost everyone has a credit card. The cash withdrawal limit is about half of your total limit. When you need money urgently, you can withdraw cash directly. However, please note that some banks have limits on the daily cash withdrawal limit, so you need to pay attention.

2. Ask relatives and friends to borrow money. Deal with the relationship between relatives and friends and make some friends with good financial ability. They can help you a lot at critical times.

3. Loans from credit institutions. The threshold is low and the loan is fast. You can get a loan using your ID card. There is no need to submit a large amount of information and review like a bank, which ensures that you can get the money quickly. The disadvantage is that the interest rate is high. If you need emergency money that can be repaid in the short term, you can consider this method. However, if you fail to replace it, the consequences may be serious, so you need to consider it carefully.

4. Online credit card application. Recently, it has appeared online that you can directly apply for a limit based on your personal credit. It is also simple to submit information, such as ID card, bank card email address, company name, position, etc. The review time will be about ten minutes, and then you can release it. The limit is based on your Personal information system determined. Cash can be withdrawn directly

5. Advance salary remuneration. People who have stable jobs can apply to the company. Generally, humane companies will not make things difficult for their employees. Temporarily borrowing some funds from the company can stabilize the employees' hearts and serve the company harder. Smart bosses generally agree.

6. Mortgage loan. People with fixed assets can consider this method, which can quickly raise a large amount of funds. If you have real estate or a car as collateral, the loan limit will generally be relatively large, and banks or credit institutions will trust you more.

7/If you really can’t raise money, sell some property. Similar to mobile phones and computers, sell them and buy a cheaper mobile phone that can make calls.

These small methods are all for emergencies. I personally prefer credit cards, which are safe and have low interest rates. They can be repaid in installments and have less personal pressure. Always pay attention to maintaining good credit. But the final solution to the financial problem is to make more money. When economic conditions improve, these are no longer problems.