Basic rules:

1. Loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct, the age of the borrower and the loan term; .

2. Loan amount: the highest.

3. Loan term: The loan term is generally 1.

4. Loan interest rate: subject to the provisions of bank loan interest rate;

5. Guarantee method: and guarantee method, but guarantees provided in the form of third-party guarantees are not accepted.

6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. In the case of loan, the repayment method of equal principal and interest and average capital can be agreed upon through consultation in the loan contract.

7. Application materials to be provided:

(1) ID card, household registration book or valid residence certificate, residence address certificate and marriage certificate of the borrower and spouse.

(2) Proof of the borrower's spouse's commitment to repayment;

(three) the original and photocopy of the production and business license and the business license of the competent department of the licensing system; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the Enterprise Partnership Investment Agreement;

(4) Proof of loan use (such as house purchase contract, etc.). );

(5) the tax payment certificate of production and business activities;

(6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of some people agreeing to mortgage (pledged) the owner and property;

(7) Collateral appraisal issued by the appraisal department recognized by the bank.

(eight) other information required by the bank.

Processing flow:

1. Customer application. The customer applies to the bank and fills in the application materials in writing;

2. Sign the contract. The bank shall handle the loan contract and guarantee contract submitted by the borrower as appropriate.

3. issue loans. For loans approved by the bank, all loans shall be paid to the personal settlement account designated by the borrower.

Second, can the average person borrow from Huinong E to 300,000 yuan?

Anything that meets the requirements will do. There is no need to provide collateral for loans. Secondly, the interest rate of "Huinong e-loan" is low, with an annual interest rate of only 5.85%. Only about 585 yuan is needed to repay the interest of 1 ten thousand yuan a year, and the longest loan period can reach 8 years, which effectively relieves the repayment pressure.

Third, the loan application is very convenient. A mobile phone can be applied online, so as long as there is no problem with credit reporting, the average person can also borrow 300 thousand.

3. What are the requirements for a loan of 300,000 yuan?

What are the requirements? How to calculate the interest of low-pressure banks in the 1920s really illustrates the problem. My situation is the same as yours. I hope I can help you talk about my house first. I'm handling a business loan.

4. What are the conditions for a loan of 300,000 yuan?

Conditions to be met for a personal loan of 300,000 yuan: user 18 years old, with full capacity for civil conduct; Users have stable jobs and incomes; User credit information is good; Can improve the guarantor or collateral; Can provide qualified bank flow within half a year; Have a permanent residence or valid residence certificate. If users meet the above conditions, they can try to apply for a loan of 300,000 yuan. As for whether it can pass the audit, the final audit result shall prevail. A simple understanding of a loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. Principles "Three Principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan. First, the risk review of loan risk often begins at the loan review stage. What happened in the comprehensive judicial practice can be seen that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. (3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.