Jinjie Loan is a new credit loan product of Shaoxing Bank-Jinjie Loan is a new credit loan product of Shaoxing Bank. This product is similar to the previously updated Laishang Bank Bee Loan, Binyin Miaomiao Loan, Ningxia Bank Brush Loan, Suning Consumer Su Xiang Loan, Yangquan Commercial Bank Immediate Loan, etc. You can still apply for the exam if you meet the requirements. Jinjie Loan is a credit loan product with full online approval, full-process digital operation, full online real-time risk control and second loan application. It has the ability to "get through all customers, get customers through all channels, conduct real-time risk control and operate on the whole line", with a maximum quota of 200,000 and an interest rate as low as 4% per year.
Jinjie Loan belongs to Shaoxing Bank. Applicants need to be between 22 and 55 years old and can submit personal information such as ID card, face recognition, work information and contact person. The maximum loan amount of this product is 200,000 yuan, and the service life is 12. Once approved, the loan will be released on the same day. It is a short-term revolving loan for production and operation based on normal tax credit, big data information and risk scoring model, which is issued through online application, automatic approval and self-service lending.
First of all, the lender needs a natural person who is 18 years old and has full civil capacity. The second condition is to have valid identification such as ID card and household registration book.
Lenders need to have a stable income, and can provide effective proof of income (bank running water), or need to have enough mortgaged assets (real estate, vehicles, securities, etc.). ). There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.
Lenders need to maintain a good personal credit record and have no serious overdue records. Because the bank will know the credit situation of the lender in the past five years by checking the credit information, it is best not to have long-term loans and serious bad records, and the personal debt ratio should not be too high. As for whether it meets the loan conditions, the bank's approval results shall prevail.