Which bank can apply for a personal loan:

Banks with better personal loans include China Merchants Bank, China Construction Bank, Agricultural Bank, Industrial and Commercial Bank, Industrial Bank and Huaxia Bank.

Comparison of individual consumer loan banks;

1. Features of personal consumption loan products of China Merchants Bank: It can be distributed in different periods according to customers' needs.

The amount of each loan shall not exceed the approved loan amount, and each loan has the same loan term and repayment method.

2. CCB's personal consumption loan products are characterized by high loan amount, wide consumption purposes and low loan interest rate. The loan interest rate of its fast e-loan products is only about 7.6%.

CCB's loans are comprehensive. We can not only borrow money to buy a house, but also buy a house for decoration. We can handle both first-hand housing loans and second-hand housing loans. We can also handle provident fund loans and personal housing loans. We can provide loans to individuals who buy commercial housing and affordable housing. Therefore, CCB has provided people with too much convenience in life.

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!

I suggest you take the money from Xiaoman Finance (formerly Baidu Finance) to get a loan. The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast, as long as 30 seconds at the earliest, and the loan funds can be received in 3 minutes at the earliest. The maximum loan is 200,000 yuan, and the minimum daily interest rate is 0.02%.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Reminder: Try to withdraw cash in full after the quota is issued, because risk control is dynamic. Now the loan is not enough. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.

Many people don't have enough money to spend. You can try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict! 360 IOU is the financial service of 360 antivirus software, and installment music is owned by Lexin, both of which are big companies.

360 IOUs, with a maximum loan of 200,000!

Click online measurement

Staging music can be borrowed up to 50 thousand!

Click online measurement

Which banks can handle personal credit loans? How do banks handle credit loans?

Which banks can handle personal credit loans? How do banks handle credit loans? It is inevitable in life, so everyone will choose to borrow money from the bank. But many people are not very clear about where to apply. Next, let's see which banks can handle personal credit loans. How do banks handle credit loans?

Which banks can handle personal credit loans? Personal credit loans can be handled by general banks, such as China Industrial and Commercial Bank, China Agricultural Bank, Bank of Communications and China Construction Bank. However, when the borrower applies for a personal credit loan from the bank, it is required to fill in the application form in writing and submit the following materials:

(1) My valid ID.

(2) proof of residential address (household registration book, etc.). ).

(3) Personal professional certificate.

(4) Proof of income of the loan applicant himself and his family members.

(5) Other information required by the bank.

These are some materials that need to be submitted. In addition, to apply for a personal credit loan from a bank, the borrower also needs to meet the corresponding conditions:

1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct.

2. Have permanent residence or valid residence status in China.

3. The bank's credit loan first requires the applicant to have a good credit record.

4. Have the ability to repay the loan, and provide stable proof of occupation and income source, bank flow sheet, labor contract, etc.

5. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. A document certifying the purpose of the loan.

6. Provide stable proof of address, house lease contract, utilities, property management and other related certificates.

7. Provide valid certificates recognized by the lending institution, and provide true and effective relevant information required by the bank.

8. Other conditions stipulated by bank lending institutions.

These are the conditions that individuals must meet when applying for credit loans from banks. In addition, what should credit loan banks do? The process of handling credit loans by general banks includes the following steps:

Step 1: The applicant fills in the loan application to the bank and submits other materials required by the bank.

Step 2: The bank examines the applicant's credit and qualification.

Step 3: After approval, inform the applicant of the loan details and sign a contract with the applicant.

Step 4: Lending institutions lend money.

Which banks can handle personal credit loans? How do banks handle credit loans? The above briefly introduces the conditions and procedures for banks to handle credit loans, hoping to help everyone.

Which banks can give loans to self-employed individuals? Look at these families.

Many self-employed people start their own businesses as bosses, and when they encounter some jams more or less in the process of operation, they need to go to the bank for loans. The income of self-employed individuals is not very stable, so it will be more difficult to apply for general loans. Fortunately, many banks have self-employed loans. Let's see what they have.

I. Agricultural Bank-Personal Employment Loan

A secured loan product issued by the Agricultural Bank of China can be applied by individual industrial and commercial operators, sole proprietorship investors, partnership partners, small and micro enterprise owners, etc. , a single family can get a loan amount of 6,543,800 yuan, with a maximum term of 5 years. There are several requirements:

1. The borrower has reached the age of 18~65, has full capacity for civil conduct, has a fixed residence in the local area and holds legal and valid identity documents.

2. The borrower has a legal and effective production and operation certificate, and those engaged in special industries shall hold a special industry operation license issued by the competent examination and approval department.

3. The borrower has management experience in this industry and has been engaged in this industry for more than 2 years, and has certain management ability.

4. The borrower has stable operating income and the ability to repay the loan principal and interest on schedule.

5. Guaranteed loans must provide legal, effective and sufficient guarantees.

6. The borrower has a good credit record.

7. Other conditions stipulated by the Agricultural Bank.

Two. Industrial and Commercial Bank of China-Personal Commercial Loan

ICBC provides customers with RMB secured loans for business activities, with a maximum amount of 3 million yuan, which can be applied once and recycled for up to 3 years.

The following requirements are required of the lender:

1, aged between 18 years old (inclusive) and 60 years old (exclusive);

2. It has legal business qualifications and can provide business licenses for individual industrial and commercial households, partnerships and sole proprietorship enterprises.

3. Being able to provide effective loan guarantee;

4. Other conditions stipulated by the lending bank.

Three. Bank of Communications-Personal Commercial Loan

The RMB loan granted by Bank of Communications to individual industrial and commercial households or actual controllers of enterprises for the flow of production and business activities has a maximum credit line of 6,543,800,000 yuan, a short-term working capital loan term of no more than 654.38+0 years, and an individual medium-and long-term working capital loan term of no less than 654.38+0 years and no more than 5 years. The application needs to provide the following information:

1, valid identification;

2. Business license or other materials that can prove legal operation;

3. Legal and stable income certificate, business transaction flow, etc. ;

4. Proof of loan use;

5, collateral, guarantor information and other documents (if necessary);

6. Other materials specified by the Bank of Communications.

Excuse me, which banks can provide credit loans?

Banks with credit loans:

1. Industrial and Commercial Bank of China: ICBC's e-loan service supports personal credit loans, and there is no need for guarantee or mortgage when making loans. The maximum amount of personal loan application is 200,000.

2. China Construction Bank: China Construction Bank has two credit loan products, namely Express E loan and Car E loan. The loan amount of two credit loan products is determined according to the applicant's personal loan qualification.

3. Agricultural Bank: Agricultural Bank provides credit loan services to customers who pay housing provident fund on time, with a maximum credit loan of 300,000 yuan.

Which bank loans are good for personal loans?

Banks that are easy to handle personal loans are: China Construction Bank, Industrial Bank, Agricultural Bank, China Merchants Bank, Industrial and Commercial Bank, Huaxia Bank, etc. As long as the loan conditions are met, the repayment ability is sufficient, and the credit is good, and the corresponding loan materials are submitted and applied according to the loan process, the probability of passing is relatively high.

Generally speaking, the materials required for an individual to borrow from a bank are as follows:

1, the applicant holds a valid ID card and household registration book;

2. Proof of marital status (valid ID card, household registration book and marriage certificate of the spouse are required for marriage);

3. Income certificate (the applicant's income certificate for half a year or local tax payment certificate);

4. Collateral (the sum of the loan amount and interest during the loan period cannot exceed the assessed value of collateral 1/2).

Which banks have personal consumption loans?

As we all know, personal consumption loans include not only mortgage loans and car loans, but also national student loans, covering a very wide range. Moreover, the amount of personal consumption loans is low, and the application procedures are relatively simple, which is suitable for people of various occupations and economic strength. Here is a brief analysis of the characteristics of personal consumption loans of several major banks for your reference.

1. Personal consumption loan of China Construction Bank

There are many kinds of personal consumption loans of China Construction Bank, including personal consumption loans, personal car loans, national student loans, small secured loans for laid-off workers, home improvement loans and so on. In terms of loan purposes, it is stipulated that there must be clear consumption purposes, which can be used for various consumption expenses of individuals and their families (excluding the purchase of housing and commercial housing), such as house decoration, car purchase, purchase of durable consumer goods, tourism, marriage, education and other consumption purposes. Generally, the single-family loan amount does not exceed 2 million yuan.

2. Personal consumption loans of China Merchants Bank

Compared with CCB, China Merchants Bank has a higher personal consumption loan amount. Up to 20 million yuan, the longest loan period can reach 30 years, which is very suitable for friends with large demand and want a longer repayment period. Loans can be used for decoration, study abroad, travel, and the purchase of expensive large-scale consumer goods, such as refrigerators and air conditioners.

3. Personal consumption loan of Agricultural Bank of China

Agricultural Bank of China also provides customers with various types of consumer loans. For example, paid loans, consumer loans, national student loans and commercial student loans. Among them, I believe you can guess one or two by looking at the name of the paid loan. Since the name is salary, it must be related to personal income level. This kind of loan does not need guarantee, mortgage or third-party guarantee. As long as you have good personal credit and sufficient repayment ability, you can apply for this kind of loan. The bank will decide how much loan it can give you according to your salary level and credit status. However, it should be noted that the longest term of such loans is generally five years. So, if you don't have the confidence to repay a large loan in a short time, you don't think it's easy to choose this one.

It should be noted that the purpose of personal consumption loans cannot be used for buying houses. But you have bought a house, and you can decorate it with a personal consumption loan. So I suggest that if you want to buy a house, employees can choose the way of provident fund loans. It doesn't matter if you don't buy provident fund. Housing commercial loans can also be used to buy a house. After buying a house, financial problems such as decoration can be left to decoration loans to solve.