Hello, general loan needs 1. The borrower is between 22 and 65 years old and has full capacity for civil conduct. 2. Good credit information, repayment ability and repayment source. 3. The purpose of the loan is clear and legal, and the loan shall not be used for stock, securities and futures speculation, real estate speculation, or used for borrowing to seek illegal income. 4. Collateral (collateral cannot be mortgaged across provinces, and the borrower has the right to completely dispose of it, and the collateral is not mortgaged, so there is no legal provision).

What are the common problems with personal loans?

In the process of lending, people will always encounter such common problems that cannot be solved. Today, I have summarized some common problems in common loan models, which you can have a look at.

1. What is two mortgage?

A: The so-called secondary mortgage refers to the property that has been mortgaged to obtain loans, and the part whose market value is greater than the balance of mortgage debt can be mortgaged again.

For example, for a property valued at 4 million yuan, banks often only handle mortgage loans at 65% of the value, and the value of 6.5438+0.4 million yuan is regarded as idle. Some private enterprises eager to expand financing can use the surplus value of real estate as collateral, that is, secondary mortgage.

2. Can a used car apply for a personal car loan?

A:

It is understood that the second-hand car consumer credit business has been opened in several cities. I suggest you go to your local bank to find out if there is such business. If there is, it will be easy. The process of automobile consumption loan is as follows:

1. Consult the handling bank or dealer.

2. Sign a car purchase contract with the dealer.

3. Apply for a loan from the bank and provide information, and the borrower pays the down payment.

4. After reviewing the materials provided by the lender, sign a contract with the borrower.

5. The dealer assists the borrower to complete the vehicle registration procedures, and then issues the loan, which will be transferred to the dealer's account and the borrower will pick up the car.

6. There is no essential difference between the borrower's monthly repayment of principal and interest and the credit business of a new car. I suggest you consult more.

3. How do unemployed people apply for business loans?

A: Applicants for venture loans need to meet the following conditions:

1. Age 18 and below 60;

2. Have entrepreneurial ability and entrepreneurial projects, have a stable business place, and engage in self-employment or aquaculture;

3. Laid-off workers and other people with insufficient self-financing can apply.

Under normal circumstances, laid-off workers apply for business loans without mortgage guarantee, and the maximum personal loans are no more than 20,000 yuan (specifically related to the loan location and application bank), and the loan period is no more than 2 years. In addition, the expected annualized interest rate of laid-off re-employment entrepreneurial loans is subject to the expected annualized interest rate of loans of the same grade in the same period stipulated by the People's Bank of China. For those engaged in low-profit projects, the central government will give full discount according to the facts.

4. What application materials should I provide to apply for a decoration loan?

Answer: You only need to provide the second-generation ID card, work certificate, income certificate, residence certificate and renovation contract. If renovation contract cannot be provided for the time being, you can also sign a "loan purpose commitment letter", stating that the loan will be used for decoration.

5. Can second-hand houses get mortgage loans?

A: Generally, you need to prepare the second-generation ID card, residence certificate, business income certificate, business place certificate, business license and enterprise industrial and commercial registration information. The specific materials shall be subject to the notice of the loan manager.

Matters needing attention in personal loan

The main problem of personal loan is contract. The contract signed by both parties must contain the loan amount, repayment method, term, interest rate and other contents, and the contract must be printed electronically. Handwriting may cause problems for one party to modify. If there is a guarantor, then the guarantor must be completely neutral and cannot take sides.

With the continuous development of society, personal loans have also become a very important business, generally divided into personal bank loans and personal private loans. Personal bank loan means that the bank issues funds to the borrower for personal consumption, production and operation. The applicant must be at least 25 years old, have full capacity for civil conduct, have a stable income, be able to guarantee repayment of principal and interest on the repayment date, have a good credit record and have no bad hobbies. Generally, the bank will only lend money if the above conditions are met. First of all, you need to fill in the loan application form and submit your identity certificate as required. If you are married, you need to show your marriage certificate. Then the bank will review and confirm whether the information provided by the customer is true and complete. If you are a mortgage customer, you need to register the collateral with the relevant department. After all the above materials are ready, the bank will make the final approval and then lend money.

Personal private lending refers to lending between citizens. As long as both parties have no opinions, they can borrow money, but the annual interest rate of the loan cannot exceed 36%, which is invalid. Both individuals and private lenders need to be cautious, so there must be a contract as a constraint to ensure that both parties are trustworthy. The contract should be made in duplicate, and if there is a guarantor, it needs to be made in triplicate, both of which should be printed to prevent tampering. Whether it is a bank personal loan or a private personal loan, you need to be cautious, and the loan amount must be within the range of personal tolerance. When borrowing money, you should be optimistic about whether there is any problem with the contract and carefully calculate the interest before signing the contract. If there is a problem, it must be terminated in time. Loans are risky, so you need to be careful when signing contracts to prevent being cheated.

We must be careful when it comes to money.

How to handle personal loans from banks?

I. Application conditions

Conditions for applying for personal loans:

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.

Generally meet the above conditions, you can apply for a loan from a commercial bank.

Second, the application procedure

1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;

4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

To apply for a personal credit loan from a bank, you only need the loan applicant to have a stable job and income. The general loan amount is between 654.38+0,000-500,000, and the longest loan period is 5 years. Usually, the loan can be released within 1 working days after the data approved by the bank, which is a fast loan scheme with no mortgage and simple operation.

Extended data

Loan cost:

(1) lawyer examination fee. In the process of applying for a loan, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer entrusted by the bank, and this fee is generally borne by the applicant. This expense in Guangzhou is borne by the bank. The lawyer's entrustment fee is generally 3‰ of the loan amount.

(2) notarization fee. If the loan applicant is a husband and wife or a house buyer, others should make a statement whether they agree to mortgage the house to the bank, which needs notarization.

(3) Property registration fee. After the property buyers get the real estate license, they should go to the registration authority for mortgage registration and pay the registration fee.

(4) insurance premium. When applying for a mortgage loan, the borrower shall handle property insurance for the collateral. During the mortgage period, the insurance policy shall be kept by the lender, that is, by the lending bank. The property insurance rates of different insurance companies are slightly different. The notarization fee, mortgage registration fee, insurance fee, certification fee, evaluation fee, deed tax, stamp duty and other related taxes and fees involved in obtaining loans from banks shall be borne by you.