Hmm! It's possible! Those who have a stable job and income in Shanghai can choose this loan method. Ultimately, it depends on whether your personal qualifications can meet the requirements of bank loans!

You are an office worker with a monthly salary of more than 2K; Or you are a private owner and have been in industrial and commercial registration for one year; Or you are the homeowner and the property is in the local area where you apply for a loan-you have one of these three conditions, then you can apply for an unsecured loan. Generally, the longest service life is about 3 years.

Reference information: /a9nXlJ

Second, what is the livelihood loan?

Minsheng loan category 1: unsecured and unsecured loans.

Personal credit loan is one of the most common loan consultation, which is usually called unsecured and unsecured loan. Many people doubt its authenticity. In fact, there is no doubt that many banks have such loans at present. However, the threshold for applying for a loan is different at the moment. Mainly manifested in the monthly salary of the applicant, the department can be two thousand. But some banks require applicants to earn more than 3,000 yuan a month. Personal credit loans can usually be used for starting a business, buying a car, spending, etc. Now let's talk about personal credit loans in detail.

To apply for an unsecured personal letter, the bank requires the borrower to have a residence; Personal credit status is good; Moreover, the monthly income condition of the loan is also that the monthly income condition of some people is not less than 3000 yuan. The loan amount is in line with the personal credit loan, and some materials such as work income certificate, water, electricity and coal bills, and capital flow bills are provided to apply for loans from the bank. If it is a quality customer, the loan is preferential.

Personal credit loan application materials mainly include:

Basic information, qualification documents and loan certificate of the borrower (financial statements and reports calculated or approved in the last three years and the latest period; Resolutions of the board of directors and relevant approvals from the borrower's superior unit; Project proposal, feasibility study report and approval documents of the competent department; Description of payment plan and repayment source; Commercial contracts related to loan purposes; Other information required by the bank.

Minsheng loan category 2: real estate mortgage loan.

1, real estate mortgage loan is the first mortgage loan. Let's take a look at several major issues that need to be paid attention to when applying for real estate mortgage loans:

2. Real estate mortgage loans require that the service life of the house be within 20 years; The housing area should be more than 50 square meters; The house should be highly mobile.

3. Value of real estate mortgage loan: The amount of real estate mortgage loan is 70% of the appraised value of the house.

4. Loan term of real estate mortgage loan: the longest loan term of new house loan shall not exceed 30 years, and that of second-hand house shall not exceed 2 years.

5. Interest rate and preferential treatment of real estate mortgage loan: the loan bank stipulates the same term and the same file.

6. What is the application procedure for real estate mortgage loan?

(1) Property Ownership Certificate and Land Use Certificate

(two) the identity card of the obligee and his spouse.

(three) the household registration book of the obligee and his spouse

(4) Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

(5) proof of income

(6) If the owner of the real estate license has minor children, please provide a birth certificate.

(7) Whether the property has a bank statement for the bank period.

(8) In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).

Three types of livelihood loans: college students' entrepreneurial loans.

College students' entrepreneurial loan is also one of the common loans, and modern college students pay more attention to this kind of loan than we imagined. At present, college students' consciousness is relatively high. Therefore, in many cases, college students are willing to apply for college students' entrepreneurial loans. At present, many cities have support policies for local college students' entrepreneurial loans, such as Zhejiang, Jiangxi, Beijing and Shanghai. Common government support policies for college students include college students' entrepreneurship loan subsidies or interest-free loans.

Generally speaking, the application for college students' entrepreneurial loans mainly includes:

(1) application conditions

1) College students who are studying and graduated within two years;

2) College degree or above;

3) 18 years old or older.

(2) Application materials

1) logo;

2) Students are required to provide student ID cards and transcripts;

3) Graduates are required to provide graduation certificates and degree certificates;

4) Checklist of frequently used bankbooks or bank cards in the past 6 months.

5) Other credit certificates (if any): scholarship certificate, certificate of class cadres, certificate of community activities, and certificates of various honors/social returns, such as blood donation and voluntary teaching.

Minsheng Loan Category IV: Housing Loan

Although the country is tightening loans at present, the mortgage interest rate is increasing. Mainly manifested in the increase of deposit interest and loan interest rate. Moreover, many cities have introduced restrictive policies on housing loans for foreigners, mainly requiring applicants to provide proof of paying taxes for one year and paying local social security. But in the face of the current situation, there are still many people buying houses and applying for mortgage loans.

1. The conditions for applying for housing mortgage loan are:

(1) Having legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

(2) Having a good credit record and willingness to repay;

(three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(4) the contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses;

(5) Being able to pay the down payment of the purchased house;

(6) Opening a personal settlement account in a bank;

(7) Effective guarantee recognized by the lender;

Provident fund loan can be said to be the most common and concerned type of livelihood loan. With the tightening of national mortgage, provident fund has a unique interest rate advantage. Let more people look to provident fund loans. The provident fund loan policy of each city is different. Now let's talk about the general information of provident fund loans. First of all, the application conditions for provident fund loans are:

1) A natural person with full capacity for civil conduct;

2) Have a permanent residence in a town or a residence in this city;

3) deposit the housing accumulation fund in this city normally and continuously for 6 months before applying for a loan;

4) At least 30% down payment;

5) Have a stable economic income and the ability to repay loans;

6) There is no outstanding debt with a large amount that may affect the loan repayment ability.

Secondly, the provident fund loan application process is:

1) The borrower applies to the housing fund management (sub-) center where the unit has paid the housing provident fund, introduces himself and gets the materials.

2) Prepare complete written materials and submit them to the housing fund management (sub-) center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and duration, and determining the loan guarantee method. Loans that need to be evaluated shall be evaluated by designated evaluation agencies.

3) After passing the preliminary examination, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the inspection include: verifying whether the person with guaranteed income and the guarantor are qualified to guarantee.

4) After passing the bank investigation, the entrusted bank will issue an investigation opinion and submit it to the housing fund management (sub-) center for approval.

5) After approval, the housing provident fund management (sub-) center will issue a notice of entrusted loan. The bank informs the borrower to go through the loan formalities.

6) After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds.

Developer account.

7) The borrower shall repay the loan on time in the prescribed way.

8) When the borrower pays off the principal and interest of the loan, the loan contract and related guarantees are dissolved and relevant documents are returned to the borrower (mortgagor or pledger).

Minsheng Loan Category 5: Personal Business Loan

At present, the popular personal entrepreneurship loans mainly include the application for entrepreneurship loans for returning migrant workers and the application for self-employment loans. However, at present, the qualifications of banks for such loan applicants can be said to be relatively strict. Now let's talk about how to apply for a personal business loan.

1. The applicant has a stable source of income.

2. It is best for the applicant to provide relevant property certificates, such as real estate, cars, etc.

3. The applicant needs to hold a business license issued by the Industrial and Commercial Bureau.

The above is the application for self-employed business loan. These conditions are not necessary for migrant workers to return home to start a business loan, because the local government will support such loans and the interest rate is low. Of course, farmers can also apply for loans if they need them.

Minsheng loan category 6: self-employed loans

Self-employed people have become the main force of social and economic development, and more and more self-employed people have their own small sky. However, the financing difficulties of the self-employed can not be ignored. Unlike most people who apply for loans, applying for loans has great limitations. It is difficult to apply for a general loan because the self-employed cannot provide proof of work and income. But the self-employed have a loan product, which is the self-employed loan. The conditions for applying for a self-operated loan are:

(1) has full capacity for civil conduct and a local hukou;

(2) Having a fixed business place or address in the local area, and having legal, stable and sufficient business income as the first repayment source;

(3) Being able to provide legal, sufficient and easy-to-realize collateral;

(4) Opening a deposit account in a bank.

Self-employed loan application materials are:

(1) The original ID card and household registration book and a copy consistent with the original;

(2) Provide the original and photocopy of the annual business license and tax registration certificate;

(3) Relevant materials that can prove their lawful income;

(4) Relevant materials that can prove their marital status;

(5) Provide legal and sufficient collateral and evaluation report;

(6) The mortgagor or pledger shall fill in the pledge in bank format;

(seven) other information required by the bank.

All of the above can be called livelihood loans.

3. Does Shanghai Post provide individuals for foreigners?

You open a shop first and get a postal loan. It's easy. . 1, must have a business license. It has been in business for at least half a year. 3. Find 1 and two people with fixed income as guarantors. In fact, the main conditions for postal savings loans are the above three. . . Do something decent in the store, and the money you can borrow should be 60% to 70% of the inventory in your store. "65438+ million.