1. Age is between 23 and 55 (inclusive) (subject to ID card).
2. The applicant must live and work in Zhengzhou (I or my immediate family members own Zhengzhou real estate).
3. Credit information of the applicant: at present, it is not overdue, not twice in 6 months, not three times in 12 months and not four times in 24 months.
The number of credit inquiries within two months shall not exceed 4 times (including this inquiry).
4. Without peace and inclusiveness. Whitney or Ping An Automobile can borrow money, and Ping An Securities can do it after settlement (Ping An Pratt & Whitney; Whitney, with Ping An policy plan or Ping An policy)
Portfolio can make new loans).
5. Public security law and white households do not do it.
Second, the interests are related.
Interest has nothing to do with the type of loan, but with the nature of the applicant's work.
General customer: One-year interest rate is different from two-year and three-year interest rates.
(Interest rate: 1 .45%) 654.38+ten thousand yuan,1annual interest of 9,673.62, monthly repayment of 9,000 139.47.
8% on average
(interest rate1.53%) 65,438+ten thousand yuan, 2-year interest of 20,235.72, and monthly payment of 5,009.82.
8.5% on average
654.38 million yuan, 3-year interest of 30,799.68 yuan, monthly repayment of 363.33 32 yuan.
Excellent occupation: 65,438+10,000 yuan, annual interest of 933 1.83, monthly payment of 9 1 10.98 (interest rate 1.4%).
65438+ ten thousand yuan, two-year interest 18430.92, monthly repayment of 4934.62.
Average 7% 7
65438+ ten thousand yuan, three-year interest of 2799 1.77 yuan, and monthly repayment of 3555.32 yuan.
Loan amount: 300,000 to 500,000
Repayment method: equal principal and interest.
Loan term: 1-3 years, and the loan term for outstanding professionals can be relaxed to 4 years.
Early repayment: 5% of the remaining principal shall be paid as liquidated damages for early repayment within one year. There is no penalty interest for repayment for more than one year.
Liabilities: bank credit loans and credit cards are recognized as liabilities, while mortgage loans, car loans and mortgage loans are not recognized as liabilities.
The total monthly repayment shall not exceed 75% of the approved monthly income.
Process: extract the customer ID card and check the access rights.
Customers bring all the information to the company, check the credit information and submit the information.
Sign before the trial.
The average customer needs to come twice, and the loan can be released within two days at the earliest.
Three. Loan plan
1. Mortgage refinancing
There are mortgaged houses in the applicant's name (shown in the credit report), including residential mortgage, commercial mortgage and office mortgage, and the repayment of the whole house mortgage contract with equal principal and interest or equal principal repayment for more than 3 years.
(Credit information of most provident fund mortgage houses is not displayed)
Loan amount = 45 times the monthly repayment amount (the repayment period is 12-36 months or the mortgaged house is settled within one year).
70 monthly payments (outstanding after 36 months of repayment)
Monthly payment 100 times (repayment over 60 months will not be settled).
Preparation materials: ID card, household registration book, marriage certificate, real estate license or purchase contract.
2. Insurance policy loans
Accept peace, Xinhua, Life Insurance, PICC, Taikang, Pacific Ocean, Taiping, Sunshine, Life Insurance, Friendship, China-US Metropolis,
Life insurance policies of 19 insurance companies such as ICBC AXA, Allianz, Zhongying, Minsheng, Tianan, China Post, China Netherlands and Huaxia.
Payment is normal, there is no return effect and there is no advance payment. Only the insured is accepted as the borrower. The applicant has not changed in the past two years.
Up to three insurance policies of three insurance companies can be superimposed.
Pay 3 times in 2 years, and the loanable amount = 20 times of the annual premium.
Pay 4 times in 3 years, and the loanable amount = 30 times of the annual premium.
Pay 6 times in 5 years, and the loanable amount = 40 times of the annual premium.
Preparation materials: ID card, real estate license or purchase contract, insurance policy.
3. Provident fund loans
Regardless of the excellent occupation and standard salary, it is necessary to pay the housing provident fund in full for 24 months or more in the near future, and the payment base (which can be understood as basic salary) is more than 4,000 yuan, and the payment is normal (the three parties cannot handle it). The company can change, but the payment can't be broken.
Henan provident fund needs to check the payment details online, and Zhengzhou provident fund needs to check the files (with printing) on site.
Loanable amount = 40 times of the contribution base of the provident fund (4000 yuan contribution base & 4000 yuan; 8,000 yuan)
The base of provident fund is 60 times (8000 yuan)
You can enjoy preferential interest rate if the payment base is more than 8000 yuan:
6,543,800 yuan, interest for one year, 7,293.36 yuan, to be repaid monthly.
Monthly payment amount 100 times (the house needs to be returned for 36-60 months).
Monthly payment 120 times (house repayment for more than 60 months).
Materials: ID card, real estate license or purchase contract.
Four. Supplementary explanation:
1. Extra credit
Customers who have repaid the original first loan for more than 12 months (inclusive) and have never been overdue can apply for a second loan.
New loans, that is, new loans for original shares and additional loans. Balance of original inventory, new loan and second additional credit loan
The sum of the amounts does not exceed 500,000 yuan, and the additional credit line is1-500,000 yuan. The approval process remains unchanged. Sign before approving.
2. Common small loan companies and consumer finance companies include BOC Consumer Loan, Xingye Consumer Finance, Lacarra, Zhaolian and Gitzo Consumer.
(mobile staging), etc. Credit loans issued by microfinance companies are not accepted, and mortgage loans and portfolio loans (excluding guarantees) are not affected.
The ring.
3. High-risk posts in the public security system
What can't be handled, both civilian and management personnel can do it.
4. White households refer to customers who have no credit record or repayment record in recent two years.
If the loan is overdue at present, it needs to wait for the credit renewal. The credit card is currently overdue, and the overdue amount is less than 1 1,000 yuan. If you have proof of repayment, you can install it directly.
6. There is a 70-day grace period for policy payment, and the effective date of the policy is the first day. 70 days is calculated as natural days.
7. Tripartite payment of provident fund: All the provident funds of foreign-funded companies are paid by three parties, and the payment unit is Henan Foreign Enterprise Service Company.
You can do it. None of the other three companies can.
8. Small loans, consumer finance, trusts, finance companies, financial leasing and other non-financial institutions. If the credit information shows that the loan amount exceeds 30,000, they will not be able to enter. If there are two loans from such institutions and the amount does not exceed 30,000 yuan, they can be admitted. Otherwise, it must be operated for more than half a year.
If these institutions lend, as long as the credit report shows that banks lend, there is no problem.
Customers with Ping An Pratt & Whitney must have a Ping An insurance policy before they can apply or settle Ping An Pratt & Whitney (if there is Ping An Pratt & Whitney, they need to check their access before entering).
Related Q&A: Related Q&A: Why did you repay 70,000 yuan with a 40,000 yuan car mortgage loan? Personal opinion, for reference only.
I just calculated the loan of 40 thousand and the repayment of 70 thousand. Your loan is at least 36 installments, and the interest rate is a little over 2 cents, less than 2. 1. Converting the annual interest rate to 24% is just stuck on the edge of the law. The annual interest rate of 24% is legally supported. Only when the interest rate exceeds 36% in that year can extra interest be paid.
The interest level depends on the repayment time. You borrowed 70 thousand. How many issues have you paid back? If it is five years, this interest is normal. Did you pay any messy fees when you took out the loan? If the car is mortgaged, don't divide it into so many installments, because the car will depreciate, unless your car is of high value, your loan is only a small part.
Car loan is not recommended to everyone, unless it is the kind that black credit households can't make regular bank loans. The product of car loan has always belonged to the kind with higher interest in the industry. If the company you are looking for is not regular, there is no way to guarantee the safety of the car in the later stage.
If you don't understand anything, you can trust me privately.
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