We all know that the job of civil servants is very stable. If you don't make mistakes, you can stay in this position all your life. Therefore, many grandparents or older parents hope that their children will take the civil service exam in the future and become civil servants. What are the ways for civil servant loans?
First, the way of civil service loans
In fact, if you are a civil servant, you should cherish your feathers, don't borrow money online, and you'd better go to the bank for a loan. Because the online platform loan interest is very high, it may also be some illegal institutions, which will have a certain impact on your credit information. Therefore, civil servants should go to the bank for loans, and every civil servant will have a provident fund. This provident fund can be used as a credit loan in the bank, which does not affect your use of the provident fund to buy a house. Many banks like civil servant loans very much, because civil servants have stable jobs, good wages and have the ability to repay loans.
Secondly, the procedure of civil servant loan.
After explaining the ways of civil servant loan, we need to know what procedures are needed for civil servant loan. In fact, civil servants need to meet some conditions if they want to borrow money. He must be a staff member who has not retired, and the male cannot be over 60 years old. He has the ability to repay the principal and interest of the loan and has a good credit report. When applying for a loan, you need to submit a personal loan demand and credit report to the bank. After that, the bank will review these materials. After the approval, it will arrange someone to contact you, and then ask you to submit the materials needed for the loan. After that, it needs to be reviewed again before the loan can be made.
Third, summary.
Therefore, there are not many ways to lend to civil servants. You can go to commercial banks and state-owned banks for loans, not online platforms for loans. Because civil servants should set a good example image and don't set foot in online loans. When making a loan, the civil servant also needs to provide the original and photocopy of his/her ID card, and the civil servant identity certificate issued by the unit must be submitted.
How to borrow a salary card from ICBC?
Personal wage loans are mainly targeted at civil servants, teachers, doctors, lawyers, employees of state-owned enterprises, institutions or units, white-collar workers of companies, and wage earners with stable income. Let's take a look at how to apply for a loan with a salary card.
First of all, to apply for a loan with a salary card, the borrower is required to be between 18-60 years old, have a stable job, work in the unit for more than half a year, have a good credit record and live in the local area for more than one year.
On the premise of meeting the above conditions, the borrower can apply for a loan with a salary card.
When applying for a loan, the borrower needs to provide ID card, work certificate, credit certificate (usually handled by the loan bank), address certificate and personal salary card, fill in the loan application form at the lending institution, and then the loan can be made after it is approved.
Personal salary card loan can usually be 3- 10 times of personal salary, depending on the actual situation of the individual.
What loans does ICBC have?
ICBC has many loans, which are mainly divided into the following four categories:
1. Housing loans: first-hand personal housing loans, second-hand personal housing loans and provident fund housing loans.
2. Consumer loans: personal car loans, electronic loans and personal housing consumption loans.
3. Commercial loans: personal commercial loans and personal commercial loans.
4. Special loans: individuals, personal loans, online loans and personal loan card loans.
I. Personal business loans
Personal business loans are RMB-guaranteed loans issued by China Industrial and Commercial Bank to customers for their legitimate business activities. The maximum loan amount can reach 6,543,800 yuan. The loan period can be up to 5 years. It can be applied by mortgage, pledge, guarantee, etc., and has the function of revolving loan.
Second-hand personal housing loan
Second-hand personal housing loan refers to the loan issued by the lender to the borrower to purchase the house that the seller has obtained the house ownership certificate, has the complete disposal right and can be legally traded in the secondary market. The maximum loan amount can reach 70% of the market value of the purchased house. The longest loan period is 30 years, which cannot exceed the remaining land use right of the mortgaged property, and the sum of the borrower's age and the loan period does not exceed 70 years.
Third, personal comprehensive consumer loans.
Personal comprehensive consumption loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to borrowers for designated consumption purposes. With a wide range of consumption purposes, high loan amount and long loan period, it is an ideal choice for individuals to realize "advance their future wealth and enjoy a high-level life".
Fourth, personal housing mortgage loan.
Personal housing mortgage loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to customers, which is based on the real estate in the name of customers (including spouses) and used for legal and compliance purposes such as business and consumption. Can be used for business, car purchase, education, medical care, large-scale durable goods consumption and other legal and compliance purposes.
Verb (short for verb) individual
Individuals are small and short-term RMB loans issued by China Industrial and Commercial Bank to customers for legitimate business activities. It is usually issued by credit or guarantee, without collateral, which is flexible and convenient. The maximum amount of a single-family loan is 500,000 yuan, of which the maximum amount of a single-family credit loan is 200,000 yuan. The loan term is generally within 6 months.
Six, personal commercial housing loans
Personal commercial housing loan refers to the loan issued by the lender to the borrower for the purchase of commercial housing. Applicable to natural persons with full capacity for civil conduct, and the borrower has a good credit record and repayment willingness. It can be used to buy shops, commercial supporting houses in residential quarters, office buildings (office buildings), parking spaces (garages) with independent property rights and other commercial houses.
Seven, personal business car loans
Personal commercial vehicle loan is a personal car loan issued by ICBC to borrowers for the purpose of buying a car. The loan amount is high, the guarantee methods are diverse and the repayment methods are flexible. There are many kinds of commercial vehicles that can be purchased, including city taxis, city bus lines, buses, trucks and construction machinery (bulldozers, excavators, mixers, pumps, etc.). ).
How many kinds of ICBC loans are there?
ICBC has many loans, which are mainly divided into the following four categories:
1. Housing loans: first-hand personal housing loans, second-hand personal housing loans and provident fund housing loans.
2. Consumer loans: personal car loans, electronic loans and personal housing consumption loans.
3. Commercial loans: personal commercial loans and personal commercial loans.
4. Special loans: individuals, personal loans, online loans and personal loan card loans.
First of all, when there is a problem with your bank account, you can use telephone banking for help.
1.In the 1990s, ICBC took the lead in launching a unified telephone banking service in China, and successfully established a good service image of ICBC's telephone banking.
2. ICBC's 95588 customer service hotline serves corporate and private customers. Whenever and wherever, citizens can easily enjoy a series of convenient, fast, 24-hour, 365-day, all-weather financial services provided by banks as long as they call the phones around them.
(1) Answer the business outlets and business hours.
(2) Answer telephone banking and online banking.
(3) Answer the credit card business consultation.
(4) Answer questions.
Second, ICBC's telephone banking is not only diversified and powerful, but also has distinctive characteristics of the times and superior scientific and technological advantages.
1. Easy to use and operate: ICBC Telephone Banking organically combines automatic voice service with manual answering service, and you can enjoy the perfect unity of self-service voice service and warm manual service just by pressing the phone button.
2. Simple procedures and powerful functions: ICBC telephone banking is convenient to apply for, and you can apply for opening an account by bringing your valid certificate and ICBC passbook or bank card to the outlet, enjoying the convenience of account management and efficient services of investment and wealth management.
3. Low cost, safety and reliability: ICBC telephone banking can handle most counter and online business, saving time and reducing costs. At the same time, ICBC adopts the most advanced computer telephone integration, so that customers can use it with peace of mind.
4. Unified number, nationwide roaming: the service number of ICBC telephone banking in mainland provinces and cities is 95588, and it is 2 1895588 in Hong Kong. If you choose to roam in different places, you can roam back to the telephone bank in your community, so that customers don't have to bear the long-distance telephone charges.
This concludes the introduction of ICBC's loan varieties for civil servants and ICBC's loan preferences for civil servants. I wonder if you have found the information you need?