1. About loan application

Hello, I am Sina Xiaopang Loan Classroom. You can apply for personal application online. The specific requirements are as follows

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Borrower conditions:

1. Have a fixed residence in China and a local urban permanent residence ( or valid residence certificate), Chinese citizens with full capacity for civil conduct;

2. Have a legitimate occupation and stable economic income (monthly salary income must be more than 2,000 yuan), and have the ability to repay the principal and interest of the loan on schedule ;

3. The borrower’s unit must be an administrative, enterprise, or institution recognized by the lender and have a good cooperative relationship with the lender, and the lender must pay wages on its behalf;

< p>4. Abide by laws and regulations, have no illegal behavior or bad credit record;

Loan period and interest rate:

1. Personal small short-term credit loan period is 1-2 years (inclusive) the following.

2. The interest rate for personal small-amount short-term credit loans shall be in accordance with the short-term loan interest rates stipulated by the People's Bank of China.

3. The starting point for personal small short-term credit loans is 2,000 yuan, and the loan amount shall not exceed 6 times the borrower's average monthly salary income, and the maximum shall not exceed 20,000 yuan.

Loan application information:

1. Loan application approval form

2. Valid identity document

3. Valid proof of address

4. Proof of stable income

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Loan qualifications for each person They are all different. Blindly going to the bank for a loan without knowing your own conditions will only be troublesome and hit a wall. It is inefficient and has a low success rate. It is recommended that you apply through an online loan platform and a team of expert consultants will review your application first. Pre-assessment of loan qualifications, based on your actual situation, helps you choose the nearest loan institutions and loan products with the lowest interest rates, highest loan amounts, fastest disbursements, and highest success rates. Of course, this does not charge any fees to the borrower.

Platform pre-application: http://goo.gl/b8k4z

I am Xiaopang Loan Class, more questions are answered in my blog, search on Baidu or Sina You can find me in Xiaopang’s loan class, please leave a message~

2. Personal loan exemption policy?

Loan exemption means that after borrowing, the economic strength cannot support future loan repayments. When the government and relevant departments prove that they have no ability to repay, the borrower can be allowed not to repay. Nowadays, loan exemption rights are mostly used in the instructions issued by the central government to local governments, because my country's old, minority, border and poor areas often need to borrow money to support economic development due to poor economic development conditions.

Therefore, in specific areas, the state grants loan exemptions to farmers and micro-enterprise operators in rural areas.

At the same time, due to the backward economy and low tax revenue, local governments also borrow from banks to a certain extent in order to maintain operational efficiency. In backward areas where fiscal revenue is relatively scarce, the state gives local governments certain loan exemptions. .

3. Regarding housing loan re-application

You need to go to the original bank to apply for withdrawal (each bank operates differently), and then go to

4 , How to write a loan application

1. Write the loan application in the center, write it in a larger font, then start a new line at the top and write XX bank.

2. Leave two spaces on another line, and start writing the applicant's name, gender, age, ID number, contact number, and describe his assets, including housing and other valuable assets.

3. Describe your source of income, main occupation, annual income, etc.

4. Write another paragraph about the reasons for the loan. I promise to use what income to repay the bank loan, and I promise to pay off the interest on time, repay the principal when due, and ensure the safety of the bank's funds. Otherwise, I am willing to bear everything. Consequences and legal responsibilities, and finally sign your name in the lower right corner and write the date of application.