Because there are many types of loans related to China Bank, you can't fully understand your personal information. You can inquire about the types of loans and the specific information of corresponding loans through the "Personal Finance"-"Personal Loans" function of our portal website; You can also go to the nearest business outlet for details.

The above contents are for your reference. Please refer to the actual business regulations.

How to borrow a large loan?

Three common loan methods for large loans

1. mortgage the house in my own name or that of others.

Compared with other types of loans, the amount of housing mortgage loans is higher and easier to get approval. The mortgage loan can reach up to 70% of the appraised value of the house, and the longest term is ten years. However, it should be noted that if a house under another person's name is used as mortgage, the consent of the other party must be obtained, and a letter of commitment to mortgage must be issued, and the house as mortgage must have a real estate license and a land certificate.

2, with car mortgage and credit loans.

If you apply for a car mortgage and a credit loan at the same time, the loan money you get is also considerable. But the premise is that the borrower needs good personal credit and stable income, because after applying for auto mortgage and credit loan at the same time, the debt will definitely be higher. Only when the repayment ability is strong, the lending institution will accept the application. So you can get a large loan in 1-5 days.

3. Apply for multiple loans from the loan company at the same time.

After a borrower applies for a loan in one bank, if he goes to another bank for a loan, he may be unable to get a loan because of his high debt. In this case, borrowers can seek loans from loan companies, because most loan companies are not connected to the central bank's credit information system, and it is impossible to inquire whether borrowers have loan records in other loan companies. Borrowers can seek more loan companies to handle loans to meet their own capital needs.

How to handle a large personal loan?

The process of applying for personal loan

1, customer application

Fill in the loan application form as required.

2. Materials submitted by customers

The applicant's identification materials, including valid ID card, residence booklet and residence certificate. If you have a spouse, you should also provide a marriage certificate, a spouse's identity card and relevant identification materials.

Step 3 review

① Whether the materials submitted by the customer are complete, whether the official seal affixed is clear, whether the name of the loan enterprise is consistent with the business license, and whether the materials are complete, legal, standardized, true and effective.

② Whether the currency, term, amount, guarantee method and loan purpose of the credit business are consistent with the contents of the negotiation.

③ Whether the application purpose, term, amount, guarantee method and basic information of entrusted agent of credit business are consistent with the resolutions of the shareholders' meeting or the board of directors. Whether the signatories of relevant resolutions comply with the articles of association and organizational documents.

(4) valid certificates such as business licenses that have passed the annual examination.

(5) review the mortgage or guarantee materials, whether the collateral is sufficient, and whether the guarantor has the ability to guarantee in full. After the customer's application materials are audited, if the materials are incomplete, the agent shall return the application materials to the customer and make explanations.

4. Credit evaluation

① The overall credit status of customers, including the credit status of the People's Bank of China and social credit status.

(2) Assets and liabilities, real estate situation

③ Whether the loan purpose and repayment source are reliable.

④ Whether mortgage or guarantee is feasible.

Step 5 agree

6. Implement pre-loan conditions

7. Sign contracts, including guarantee or mortgage contracts.

Step 8 support

9. Credit registration

10, accounting

1 1. Post-loan inspection

12, loan recovery

Extended data:

I. Personal loan conditions

1, at least 25 years old, with full capacity for civil conduct and permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

3. Good credit record and no bad credit record.

4. It can provide legal and effective guarantee recognized by the bank.

Second, the classification of personal loans

1, personal automobile consumption loan

2. Personal durable consumer goods loans

3. Personal commercial loans

4. Personal valuable documents

5. Personal microfinance

Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount generally does not exceed 1-200,000, and the loan term varies from1-2 years.

6. Personal non-residential mortgage loan