Hello, there are currently four banks supporting it, namely, China Construction Bank -Express Loan, China Merchants Bank-Flash Loan, Shanghai Pudong Development Bank-Puyin Point Loan, and China Guangfa Bank-E Second Loan.
Specific steps
1. The borrower shall apply to the branch opened by the bank. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license;
2. After receiving the lender's application, the bank will review the lender;
3 through the bank's audit and approval, signed a loan contract with the bank;
4. The bank lent money, and the lender successfully got the loan.
The above four steps are the general flow of banks. Different banks may have slightly different regulations and submit different materials. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.
What are the requirements for bank application?
(1) must be a citizen of China with full capacity for civil conduct. Generally, the age is required to be between 18 and 60 years old, and some banks will limit it to 25 to 50 years old;
(2) Having a fixed residence in China, or having a fixed residence (or valid residence certificate) in a local town, or having a fixed business place;
(3) Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule;
(4) There is no bad credit record, and the loan funds cannot be used for stock trading, house purchase and gambling;
(5) Other conditions stipulated by all banks.
It is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally between 1 10,000 yuan and 200,000 yuan. The treatment process generally needs to be guaranteed. It is an extension of microfinance in technology and practical application. In China: Mainly serving agriculture, rural areas and small and medium-sized enterprises. The establishment of the company rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises. At present, there are also personal quotas for office workers, which generally range from 1 1,000-50,000 yuan. Most of them don't need mortgage, but the credit and information review is strict.
Refer to Baidu Encyclopedia-Web page links
What bank can apply for a loan?
Most banks can apply for loans, as follows:
1. State-owned banks: Industrial and Commercial Bank, Bank of China, Agricultural Bank, China Construction Bank and Bank of Communications.
2. Local banks: Weifang Bank, Dezhou Bank, Langfang Bank, Beijing Bank, Shanghai Bank and other local banks.
3. Rural commercial banks and credit cooperatives: rural credit cooperatives, Beijing Rural Commercial Bank, etc.
4. Private banks: Minsheng Bank, Zhejiang Online Commercial Bank, Shenzhen Qianhai Weizhong Bank, etc.
5. Foreign banks: Citibank, Hang Seng Bank and Standard Chartered Bank.
What bank can lend money?
Industrial and Commercial Bank, China Construction Bank, Agricultural Bank, China Bank, Bank of Communications, etc. Can do loans, and now many banks have their own loan products.
Different lending institutions have different requirements for borrowers. Generally speaking, the loan requirements of state-owned banks will be higher than those of commercial banks.
Generally speaking, bank loans will evaluate the borrower's credit status and repayment ability, and relevant users can choose the bank where their salary cards are located or the bank that has been used for a long time to operate.