In fact, when handling personal loans, different banks or lending institutions should examine the loan applicants and ask them to provide relevant documents and materials. The following are the channels for individuals to obtain loans:
First, private lending.
In fact, when we are short of money, the first thing we think of is to borrow from friends and relatives around us, or to borrow from others through relationships. This is private lending. Although private lending is convenient, the specific matters are chaotic and the interest is high.
Second, banks.
Many people will consider bank loans when they are short of money. Banks are relatively formal financial institutions, and everything is step by step, which makes people feel more at ease. However, bank loans also have the disadvantages of cumbersome procedures and long approval time, so if you need money urgently, it is not recommended that you look for a bank.
Third, the loan company.
Because the credit business in the financial market is very hot, a large number of loan companies have emerged. The loan company broke the geographical restrictions and met the fast and convenient financing needs. Borrowers can find a satisfactory loan company according to their actual situation and make loans on the online lending platform. Compared with banks, loan companies have more convenient loan application procedures and faster payment.
Fourth, credit cards.
Of all the ways to raise funds quickly, credit card is the most convenient one. Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.
Verb (short for verb) pawnshop
Pawnshop, also known as pawnshop, is an informal marginal financial institution specially issued, and it is a market intermediary organization mainly based on currency lending and supplemented by commodity sales. For friends who have a house, a car, jewelry, a watch, antiques, digital products or other valuable or valuable collateral, you can consider pawnshops.
How to apply for a loan quickly?
The step of loan is that the individual must first prepare the materials needed for loan from the bank, generally including loan application, customer ID card, payroll, income certificate, marital status certificate and other materials to submit an application to the bank. After preparing the information, wait for the loan review and go through other legal procedures. In addition to the contract, there are other legal procedures to be handled, and finally you can wait to accept the bank loan.
legal ground
Article 11 of the Interim Measures for the Administration of Personal Loans
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender: .............
Four ways to apply quickly, "loan" can't be thanked!
What are the quick ways to apply for small loans? It refers to the way to provide loans with the amount of more than 1 10,000 yuan and less than 1 10,000 yuan for the vast number of self-employed industrial and commercial households and small workshop owners. So, what are the ways to apply?
Unsecured/credit loan
The amount of personal credit application is the simplest loan method. The general amount of this loan method cannot exceed 654.38+10,000 yuan, with simple procedures and quick operation.
However, the loan interest rate is on the high side, which requires high personal credit information, so the amount that can be applied for is generally not high.
Mortgage loan/securities loan
If applying for mortgage, the application amount shall not exceed 70% of the assessed value of collateral, and the loan period shall be within 10 year.
Collateral can be real estate mortgage or chattel mortgage. Real estate includes land, houses, etc. Movable property can be stocks, government bonds, corporate bonds and other securities recognized by banks, or gold and silver jewelry.
If you want to apply, you can use many things. In addition to certificates of deposit, you can easily obtain personal loans with certificates such as cars, treasury bills and insurance company policies. Among them, 80% of the deposit certificate amount can be loaned, 90% of the national debt denomination can be loaned, and the policy amount issued by the insurance company cannot exceed 80% of the cash value of the policy at that time.
Secured loan
If the applicant can't provide collateral and the loan amount is relatively large, he can find a person with a stable job, stable income and high income as a guarantor and apply for a secured loan. At present, the maximum loan amount obtained by applying for secured loans is 654.38+10,000 yuan.
Therefore, there are several ways to apply. The borrower can choose the appropriate loan method according to his actual situation, and it can also increase the chances of loan success.
Why save face when you don't need money? Recommend a consumer credit product of Baidu Finance, and use the mobile phone Baidu "Baidu Cash Loan" to account for 300,000 minutes!
How to get a quick loan? You can try both methods.
I don't know if you have noticed that when you need money badly, most people will only consider "fast" and get a loan quickly. Getting money is the first thing, and then they will consider the loan amount, loan interest, loan repayment and other follow-up matters. So, how to get a quick loan? Next, let's take a look.
First, how to get a quick loan?
1, via existing credit card
If you apply for a credit card and use it well, you can borrow money quickly through the "borrowing money" service below the credit card limit such as China Merchants Bank Credit Card and log in to your pocket life. On my-limit page, you can apply for a loan and enter the e-loan page of China Merchants Bank. It can reach 4 times the credit card limit in a few seconds at most.
2. via wechat or AliPay
These two softwares can be said to be essential for mobile phones. They have a wide coverage and are in urgent need of money. You can directly open WeChat-My Service/Payment-Micro Loan, or open Alipay-My Loan, and you can apply for a loan. You can borrow and pay back, calculate interest on a daily basis, enter simple loan information, and arrive at the account as soon as 1 minute, without taking the time to download other loan apps.
Second, quick loan skills
1. Maintain good personal credit at ordinary times.
To apply for a loan, you generally need to authorize the inquiry of personal credit information first. Only by maintaining good personal credit and true and effective information can the loan be successful and get the money immediately, which is the premise of rapid audit.
2. Choose credit online loan products.
Compared with traditional bank loans, online loans based on pure credit applications are faster. Just pay attention to the formality of the loan platform, and generally do not charge any fees before lending. Don't panic, be wary of being cheated.
The above is about "how to get a quick loan", I hope it can help you.