There are many kinds of loans offered by Shanghai Pudong Development Bank, and the application conditions of each loan product are slightly different. Take elite loans and good mortgages as an example, the application conditions are as follows:
Elite loans
1. Natural persons with Chinese nationality who are over 25 years old (inclusive) and have full capacity for civil conduct, and the loan maturity date is generally not more than 7 years old (inclusive).
2. Hong Kong, Macao and Taiwan should have lived in the mainland continuously for one year, and their families mainly live in the mainland.
3. Have legal and stable economic income, good overall credit status and asset strength, and have the ability to repay the loan principal and interest.
4. Other conditions required by the bank.
Good mortgage
1. A natural person who has reached the age of 18 (inclusive) and has full civil capacity, and the maturity date of the loan is not more than 7 years old.
2. Have a permanent residence in the town or a valid residence status.
3. Have legal and stable economic income, good credit and the ability to repay the loan principal and interest.
4. There is a demand for consumer financing in car purchase, decoration, education, tourism, wedding, large consumer goods, etc.
5. It can provide a guarantee recognized by the bank.
6. Other conditions required by the bank.
before, I was also in need of business turnover, and I used several small loan products. In fact, each small loan platform has an internal application entrance, with low interest, easy payment and high quota! Scan the code below to enter the QR code! What kinds of loans does Shanghai Pudong Development Bank have?
What are the loan conditions of Shanghai Pudong Development Bank
The loan conditions of Shanghai Pudong Development Bank are different according to different loan products, but in summary, they have the following characteristics:
① At least 18 years old and with full capacity for civil conduct.
② Have a stable work unit, sustainable income and sufficient ability to repay principal and interest.
③ Personal credit status is good, and there is no record of breach of contract and other bad habits.
④ other conditions that the loan product needs to meet.
Shanghai Pudong Development Bank loan inquiry
Shanghai Pudong Development Bank loan progress inquiry I * * * There are two ways: one is telephone inquiry and the other is counter inquiry.
telephone inquiry: call the 24-hour customer service hotline 95528 and make inquiries according to the voice prompts.
Counter inquiry: Bring my ID card and other relevant documents to the offline outlets of Shanghai Pudong Development Bank for inquiry with the assistance of staff.
What kinds of loans does Shanghai Pudong Development Bank have?
There are many types of loans in Shanghai Pudong Development Bank, which can be roughly divided into house purchase loans, consumer loans, online financing loans, overseas loans, private bank exclusive loans, community exclusive loans and car purchase loans. Only a few of them are briefly introduced today.
auto consumption loan
The maximum loan amount shall not exceed 8% of the net car price purchased, and the imported car shall not exceed 7% of the net car price purchased. The maximum loan period shall not exceed five years.
Personal housing loan
is a loan issued by Shanghai Pudong Development Bank to borrowers for purchasing self-occupied houses, and the longest loan period is no more than 3 years.
financial loans for going abroad
are mainly used for studying abroad, emigration, overseas travel, etc., and are determined according to the different national policies corresponding to the borrower's overseas activities, the borrower's actual needs and guarantees, and the longest period is not more than 1 years. Among them, the funds used for immigration shall not exceed the time limit for the return of funds corresponding to the immigration project. For studying abroad, the longest period is no more than 6 years.
Puyin Point Loan
Unsecured pure credit loan, with a maximum loan amount of 3, yuan and a maximum loan period of 5 years.
housing loan
housing loan is mainly used for housing decoration, furniture purchase and other consumer behaviors, with a loan amount of up to 1% of the property value and a loan period of up to 5 years.
elite loans
are mainly issued to heavy calcium customers, with a loan amount of up to 1 million and a loan term of up to 1 years.
good mortgage
a good mortgage is a loan secured by a customer with a commodity house or a commercial house, and the maximum loan amount can reach 8% of the value of the collateral.
Easy loan cancellation
The maximum amount of easy loan cancellation can reach 1% of the mortgage rate of real estate, and the full cash withdrawal is supported within the loan of 3, yuan, and the longest loan period can reach 3 years. Conditions for Shanghai Pudong Development Bank's loan application
Puyin Express Loan is a business model of Shanghai Pudong Development Bank for online acceptance, online contract signing and immediate issuance of operating loans for qualified small and micro customers.
1. Loan interest rate
Loan interest rate refers to the latest benchmark interest rate of central bank loans in 219 (please consult the staff of Shanghai Pudong Development Bank for specific loan interest rate fluctuations)
1. Short-term loans: within one year (including one year), with an annual interest rate of 4.35%;
2. medium and long-term loans: one year to five years (including five years), with annual interest rate of 4.75%; For more than five years, the annual interest rate is 4.9%;
3. Personal provident fund loan: less than five years (including five years), with annual interest rate of 2.75%; For more than five years, the annual interest rate is 3.25%.
Second, the characteristics of the loan
1. Speed: real-time application, real-time approval and real-time lending, from application to loan receipt, the whole process takes 3-5 minutes to complete;
2. The application procedure is simple: you can complete the application by filling in the basic information online and answering the true or false questions without going to and from the bank outlets and providing paper materials;
3. No handling fee: you can borrow and use it as you like, and there is no handling fee for the whole process.
III. Conditions for applying for a loan
1. The age is between 18 (inclusive) and 6 (inclusive);
2. Have Chinese nationality (including Hong Kong, Macao and Taiwan residents);
3. No bad records are found through the personal credit information basic database of China People's Bank;
4. No related party of Shanghai Pudong Development Bank;
5. Initiate an application through the partner platform;
6. Customers recommended by core enterprises initiate applications in Shanghai Pudong Development Bank;
7. Other conditions required by Shanghai Pudong Development Bank.
iv. loan amount
the maximum loan amount is 1 million yuan.
before, I was also in need of business turnover, and I used several small loan products. In fact, each small loan platform has an internal application entrance, with low interest, easy payment and high quota! Scan the code below to enter the QR code!