If Minsheng Bank can discount interest, it will definitely lend in Minsheng Bank.
Minsheng Bank is much smaller than CCB, but it is also a listed bank after all. It will definitely standardize operations and will continue to operate for a long time.
In addition, loans are different from deposits. This is the money you owe the bank. The only risk is that Minsheng Bank will raise interest rates than CCB in a certain year, but it should not.
Two, Minsheng Bank commercial loans to provident fund loan conditions
1. Preparation materials: The materials to be prepared for enterprise loans are divided into main materials and auxiliary materials. The main materials include the ID card of the business law enforcer, the financial statements of the applicant enterprise in the last three years, the enterprise assets and the mortgage loan of enterprise assets in the last six months, and the ownership certificate and asset evaluation certificate of the collateral are also needed. 2. Submission of materials and applications: For enterprise loans, you need to submit an application at the enterprise loan window and wait for the approval result after submission. 3. Bank approval: For corporate loans, the bank approval process is relatively strict. In the audit process, not only will the information provided be verified one by one, but also the credit status, development prospects and profitability of the enterprise will be evaluated. Finally, the loan amount and term approved by credit are given. 4. Signing a contract to issue loans: If the application is approved, the bank will, and the manager will also need the enterprise to provide a certificate of entrustment. Enterprise loan contracts are basically the same, mainly including loan purpose, loan type, loan amount, interest rate, term and repayment method. In addition, it will also indicate the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed. After the contract is signed, the bank will transfer the loan to the account stipulated in the contract.
The above is the enterprise loan process, which is basically the same, but the enterprise loan review is more strict. If the business is in good condition and there is no bad credit record, the chances of successful application will be high.
3. What is the commercial loan policy of Minsheng Bank?
Personal consumption loan of China Minsheng Bank This loan type is a pure credit personal consumption loan mainly promoted by China Minsheng Bank, with the maximum loan amount of 654.38+0 million and the longest loan period of 654.38+0 years. Candidates are required to have a monthly salary of more than 5,000 yuan after tax and work experience of more than 3 years.
Product advantage
1. No collateral or guarantee is required;
2. The maximum loan amount is 6,543,800+0,000;
3. The loan interest rate is 0.5% per month;
4. The longest loan term is 1 year.
5. The application materials are complete, and the loan can be released within 10 working days.
Loan terms:
1, income requirements: the monthly income after tax is more than 5,000 yuan, and it is necessary to provide bank running water;
2. Working years: more than 3 years, paying social security.
Application materials:
1, ID card;
2. Chinese identity card;
3. Income certificate issued by the company (seal);
4. Wage bank flow sheet;
5, more than 3 years experience;
6. Recent residential water, electricity and coal bills.
4. What are the latest regulations of Minsheng Bank on prepayment?
Minsheng Bank mortgage can be repaid in advance, and the prepayment process is as follows:
1. The borrower calls the customer service phone of Minsheng Bank to make an appointment for prepayment.
2. On the agreed date, the borrower will bring his ID card, loan contract and other materials to the business outlets of Minsheng Bank, fill in the application form for prepayment and submit it to the bank.
3. With the approval of the bank, the borrower can go through the relevant formalities of prepayment and deposit the due amount into the repayment card.