1, it should be ok. If you have a good credit record, I suggest you apply for personal credit loan directly from the bank, that is, unsecured loan.
2. The conditions for applying for personal credit loans are: the bank requires the borrower to have a stable job and a fixed residence; Personal credit status is good; The monthly income conditions of loans also have certain conditions. Meet some basic application conditions of personal credit loan, and you can apply for a loan from the bank by providing proof of work income, water, electricity and coal bills and three-month bank salary bills.
Second, what is the opinion of the class teacher who applied for a loan for senior three graduates?
There is a classmate in my class, XXX, who is poor for some reason. I hope that XXX Bank can provide some student loans, and I hope it can be approved.
1. This student strictly abides by the rules and regulations of the school. Study hard, study style is practical, grades are rising steadily, and learning potential is sufficient. Strong sense of collective honor, actively participate in various collective activities and social practice activities, and work actively. Respect teachers and unite students. Is an ideal, ambitious and well-developed student.
The student abides by the rules and regulations of the school and is strict with himself. A strong sense of collective honor. Respect teachers and unite students. Have ideals and ambitions. Study hard, study hard and ask questions, and your grades will rise. Take an active part in physical exercise, live frugally and be honest. He is a good student with all-round development in morality, intelligence and physique.
3. Students love and actively serve the collective. Consciously abide by school discipline. Actively participate in social practice and collective activities, and serve as a student cadre for three years, which can better complete their own work. The purpose of learning is clear. Respect teachers, unite classmates, be helpful, and be a good student with all-round development.
Students can abide by school discipline, actively participate in social practice and sports activities, respect teachers, unite with classmates and study hard. Be honest. Strong sense of collective, actively cooperate with the class cadres to carry out various activities, work actively, and do three exercises seriously. He is a well-rounded student.
5. This student can abide by school discipline well, has a strong sense of collective honor, actively participates in various social practices and collective activities, works hard, respects teachers, unites classmates, studies hard, and has stable grades, showing an upward trend. Live frugally and treat others sincerely. He is a student with all-round development in morality, intelligence and physique.
6. You, a sunny boy. Without wind and rain, trees will not grow; If you don't like self-refining, it is difficult to make steel. After studying in high school for three years, he was always full of confidence and smiled at life. Face up to suffering. Always adhere to the faith in your heart, not afraid of failure, bravely pursue the ivory tower in your heart, believe in him, and you will succeed.
7. During the three years of high school study, I have a correct learning attitude, listen carefully in class, and actively answer questions. After studying, I actively participate in various activities organized by the school, have a harmonious relationship with my classmates, and often help students with difficulties. Be polite to people, respect teachers and be an excellent high school student.
8. You are a good student with excellent academic performance, and she has the leadership ability to successfully organize class activities. In her studies, she works very hard, and she is also very serious and responsible in her work. She never gives up. She is always full of hope for the future.
9. You are academically gifted, active in learning, attentive in class, diligent in thinking and hands-on. Have a kind heart, ready to help others, actively participate in extracurricular activities, not afraid of difficulties, not afraid of setbacks, dare to challenge difficulties, the more frustrated and brave.
10. Your performance in school has always been excellent, with high moral quality, respecting teachers and uniting classmates. Study hard. There is a positive fighting spirit that is unwilling to lag behind. Diligent and helpful in life, he is a good student of the teacher and a good friend in the eyes of his classmates.
Three, the following statement about personal loan approval, the correct is ().
Answer: When approving the Personal Credit Business Approval Form directly, the approver generally adopts the principle of 2/3 majority vote, that is, the number of votes whose approval opinion is "Agree" is "Agree" only when it reaches the appraiser's opinion. The loan approver's approval opinions on personal loan business are "agree" and "reject". When two loan approvers sign the "Agree" opinion at the same time, the approval conclusion opinion is "Agree".
Four, Baoding second home loan policy in 2022
The loan policy is that central bank loans refer to loans issued by the central bank to specialized banks and other financial institutions. Central bank loans have the basic characteristics of general loans, but as a monetary policy tool of the central bank, it has special functions and standards. Central bank loans, like loans from specialized banks to enterprises, have the basic characteristics of repayment, guarantee, term and interest. The bank loan policy should first define the development strategy of the bank, including the principles to be followed in conducting business, the industries and regions that the bank wants to conduct business, the types of business it wants to conduct, and the scale and speed of business it wants to achieve. In the loan policy document of the bank, it is clearly pointed out that the development of loan business must conform to the principle of steady operation of the bank, and the guiding ideology and development field of bank loan business are strategically planned. The development strategy of loan business must first clarify the basic principles that banks must follow in developing loan business. On the basis of defining the business policy that bank loans should follow, we should also determine the scope (including industries, regions and business varieties), speed and scale of bank loans development according to needs and possibilities. In order to ensure the standardization of the operation process of the loan business, the loan policy must clearly stipulate the working procedures of the loan business. Loan working rules refer to the norms of loan business operation. First, whether the scale and structure of bank loans are appropriate can be measured by some indicators. Mainly: 1) loan-to-deposit ratio. This indicator reflects the proportion of bank funds used for loans and the size of loan capacity. China's commercial banking law stipulates that the proportion of banks shall not exceed 75%. 2) loan/capital ratio. This ratio reflects the profitability of bank capital and the ability of banks to bear loan losses. According to the international standards stipulated in the Basel Accord, the Bank of China determined that the ratio of total capital to weighted risk assets of commercial banks should not be less than 8%, and the ratio of core capital to weighted risk assets should not be less than 4%. 3) The loan ratio of a single enterprise. This ratio refers to the ratio of bank loans to the largest customers or the top ten customers to bank capital, which reflects the concentration and risk of bank loans. China's central bank stipulates that the loan balance of commercial banks to their largest customers shall not exceed 65,438+05% of the bank's capital, and the loan balance of the top ten customers shall not exceed 50% of the bank's capital. 4) Medium and long-term loan ratio. This is the ratio of the balance of medium and long-term loans issued by banks for more than one year to the balance of various deposits for more than one year. It reflects the overall liquidity of bank loans. The higher the ratio, the worse the liquidity. Conversely, the stronger the liquidity. According to the current regulations of China's central bank, this ratio must be lower than 120%. Legal basis: The People's Bank of China issued "Several Opinions on Encouraging Consumer Loans", which increased the proportion of housing loans to house prices from 70% to 80%, and encouraged commercial banks to provide all-round high-quality financial services. In September of the same year, PBOC adjusted the term and interest rate of individual housing loans, extended the maximum term of individual housing loans from 20 years to 30 years, and further lowered the interest rate of individual housing loans by 10%.