Beijing unsecured credit loan company mainly recommends Ping An Bank, Nanjing Bank and China Construction Bank, each with its own characteristics.
Personal unsecured credit loans are aimed at mortgage loans and secured loans, because generally speaking, when a bank issues a loan, it requires the applicant to provide the real estate recognized by the bank as collateral and require the applicant to hold all its ownership. Because unsecured credit loans are usually risky for banks, few banks use simple procedures. Even if there is, it requires deposits in this bank, and the issuance amount is very low.
1, Ping An Bank, non-bank loans should not appear in the credit information suitable for legal persons to work. The working hours of the company should be 6 months, and the monthly repayment amount of credit loans and credit cards should not exceed 75% of the monthly income. If the provident fund is used, the two-year provident fund cannot be stopped. If credit information is used, the loan can not be approved more than four times in February, and if the insurance policy is used, the suspension cannot be resumed within five years.
2. Bank of Nanjing, mainly engaged in friendly credit information about work for customers with provident fund mortgage houses. For the fifth credit information, there can be no non-bank loans, and basically the liabilities can not exceed 75% of the monthly liabilities. Provident fund 1 year can be regarded as the identification of the work unit.
3. Construction bank, decoration loan and consumer loan must have financial management in CCB, or CCB's salary, or CCB's credit card, which is used for special purposes.
First, the approval of credit loans is relatively strict.
We all know that the characteristic of credit loan is that it does not need any mortgage and third-party guarantee, and it is entirely based on the borrower's credit. Because of this, this loan model is very risky for financial institutions and banks. Therefore, when handling this kind of loan business, banks will analyze and investigate the borrower's economic level, operating conditions and future development, so as to control risks.
Two, individuals can also apply for credit loans.
Previously, the business of credit loans was only open to enterprises and institutions. But now many financial institutions have launched personal credit loan business. Personal credit loan means that the borrower does not need to provide guarantee, as long as he has a good credit level, he can apply. Of course, personal credit loan banks are also conditional. To borrow money, the explanation and proof of the use of the loan funds must be provided, and the loan funds shall not be used in the production, investment and business fields prohibited by the CBRC.
Third, the conditions of credit loans.
To apply for a credit loan, these conditions must be met. 1. The applicant must be a China citizen who has reached the age of 18 and has full capacity for civil conduct. 2. You should have a permanent residence in China and a local town hukou. 3. The applicant should have a fixed job and a stable income, and have the ability to repay the principal and interest every month. 4. There is no violation of law and discipline. 5. The credit level is good. 6. Opening a personal settlement account in the borrowing bank and other conditions of the bank.
Which company should I look for in Beijing unsecured credit loan?
Any of the following will do.
1. Beijing Jingjietong is a company specializing in Beijing personal credit loan, Beijing mortgage loan, Beijing real estate and Beijing automobile mortgage. It is also a professional consulting company with high efficiency. The key is to pay quickly.
2. Heng Chang Finance, as long as it is not illegal.
3. Ronglian Ye Wei Investment Guarantee
Regular companies will not charge you any fees before lending money. For example, the loan is 654.38 million yuan, with a term of 1 year. The qualified lending institution in Beijing is Huaxia Bank-Yidajin, and the lending time is 5 working days (4 working days for approval); Standard Chartered Bank-on-demand loan, loan time: 65438+ 0 working days at the earliest; Citibank-happy hour loan, loan time: 7 working days (3 working days for approval); Ping An Finance-wage loan, with the loan time of 2 working days (1 working day for approval); CreditEase-Elite Loan: 5 working days (3 working days for approval), etc. For details, I suggest that you can make many comparisons with Rong 360- Beijing Personal Credit Loan.
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1, Heng Chang Litong is an innovative professional platform engaged in loan consultation and management in China, and it is the first in China to launch "person-to-person" (or "p2p") loan and wealth management services. Headquartered in Beijing, the company operates in more than 30 first-and second-tier cities all over the country, and has established a nationwide service network.
2. Heng Chang Litong introduced advanced foreign credit management concepts, combined with the social credit situation in China, and provided professional credit management and wealth management services including credit consultation, evaluation, credit scheme formulation, agreement management and payment management for customers at both ends of the platform.
3. Ronglian Ye Wei Investment Guarantee (Beijing) Co., Ltd. is committed to creating higher quality services in the industry through the continuous innovation and application of unsecured loans. Nowadays, in the bubble economy society, the heat of housing prices remains high and prices continue to rise, so it is difficult for people who work hard in cities to keep up with the growth rate of prices. Unsecured bank credit loan is a service to meet the hard needs of most people, such as buying a house.
Operating environment: Xiaomi mix 109.9.3.
Beijing is in urgent need of money. Which loan company is better to find?
You can choose Huaxin. Beijin.com is the best loan company. Beijing Zhitong Ye Wei, Peng Ji Ye Wei and Beijing Yi Rong (Jingjietong) Company mainly provide loans, personal loans and other related businesses for enterprises and individuals. These word-of-mouth are relatively good, and they are all formal and reliable companies, humanized, creditworthy and reliable. No matter how urgent, safety comes first. Some informal platforms just want to mess around when you are in a hurry, so choose formal channels first.
Application conditions:
1, which is mainly divided into two parts: age requirement and data requirement.
Age requirement: 18-69 years old. The formal platform loan requires that the lender must be an adult, and refuses to provide consumer installment loans to students at school. If you are a student at school, please refuse to borrow.
Information requirements: I need to provide my second-generation ID card, copy of ID card, household registration book and my debit card during the application process. Special note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
2. If it is a short-term fund problem after the loan, the repayment method of interest first and then principal can be completely adopted to reduce the daily repayment pressure. At present, interest first and then principal can be 10 year. If you can borrow it, safety and reliability are the most important. Funds are divided according to demand, length of time and amount of funds. If you have a house and a car, it can also be used as a mortgage, which is suitable for mortgage or credit.
3. Loans involve amount transactions and credit issues. First, you should find a professional and reliable one. Secondly, you should match your plan according to your actual situation and needs. The borrower's credit investigation has not been repeated for two years.
Personal monthly income is stable and there is no credit problem. If the credit record is bad, it is necessary for the lending institution to check the credit record. If the lender has been overdue continuously or cumulatively in recent two years, it will directly refuse the loan to avoid later disputes. In order to obtain high loans, some customers applied in several institutions at the same time, and their credit records were inquired many times. In this way, the credit Committee believes that customers are in urgent need of funds, which is risky and refuses to lend.
4. Pay attention to the loan amount in the loan; , loan interest rate, loan term, loan time and loan cost. Also, when making a loan, we must pay attention to the rigor of the contract, that is, the content of the loan contract should be strict and complete, and the amount, term, interest rate, collateral and attendance of the loan exceed the necessary conditions. The contract is clear, the language is standardized, and the language use conforms to the legal norms. Accuracy of the contract, all terms of the contract must be accurate and specific. The legality, format and language of the contract must conform to the laws and regulations of the state.