Conditions for applying for small loans:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Question 2: How many small loans can an individual borrow at most? Small short-term credit loans refer to RMB credit loans with a term of less than 1 year and an amount of less than 20,000 yuan, which are used to solve the temporary consumption needs of borrowers without guarantee. Lenders refer to the branches of Industrial and Commercial Bank of China that provide personal small short-term credit loans. The borrower refers to a China citizen who has a fixed residence in China, a fixed residence in a local town (or a valid residence certificate) and has full capacity for civil conduct.
I. Borrower's Information
Borrowers applying for personal small short-term credit loans shall meet the following conditions:
1. China citizens with permanent residence in China, permanent residence (or valid residence certificate) in local towns and full capacity for civil conduct;
2. Have a proper occupation and stable economic income (monthly salary income should be above 1 000 yuan), and have the ability to repay the loan principal and interest on schedule;
3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;
4. Abide by laws and regulations, and have no illegal acts and bad credit records;
5. Open peony credit card or current savings account in China Industrial and Commercial Bank;
6. Sign an agreement with the lender to deduct the loan from its peony credit card or current savings account;
7. Other conditions stipulated by the lender.
Two. Loan term and interest rate
(1) The term of personal small short-term credit loan is less than 1 year (inclusive).
(2) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.
(3) The starting point of personal small short-term credit loans is 2,000 yuan, and the loan amount is no more than 6 times of the borrower's monthly salary, with a maximum of 20,000 yuan.
(four) personal small short-term credit loans are generally not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.
Third, the loan application
Laid-off workers applying for small secured loans must meet the following conditions:
(1) Under 60 years old and in good health;
(2) No bad credit record or other economic violations;
(three) holding a "re employment concession card";
(4) Approved and registered by the administrative department for industry and commerce and obtained a business license or held a certificate of informal employment labor organization issued by the Municipal Re-employment Office;
(5) The loan project conforms to the national industrial policy, with bright market prospects and certain profitability and solvency;
(6) The guarantee institution confirms the necessary counter-guarantee measures.
What are the procedures for handling small secured loans?
According to the following procedures:
(1) individual application;
(2) community recommendation;
(3) the city will come to the office for review;
(4) underwriting by a guarantee institution;
(5) bank nuclear loans.
The maximum personal loan amount is 50,000 yuan.
I hope I can help you.
Question 3: What is the longest repayment period of small loans? The longest repayment period of small loans is four years.
Microfinance application process:
1. The borrower shall apply to the bank outlets that provide small loans. 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 examination and approval of the bank, signed a loan contract with the bank.
4. The bank lent money, and the lender successfully got the loan.
Question 4: Generally, the maximum loanable amount of a single bank's small loan is 1.5 million.
Conditions for applying for loan business:
Natural persons aged between 18 and 65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit information, no bad records, and legal use of the loan;
Other conditions stipulated by the bank.
Question 5: At present, the maximum amount of small loans can be applied for in local banks.
Conditions for applying for small loans:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Question 6: How many years can microfinance last? But most of them are the lowest 10000. The repayment method is equal principal and interest. For example, your loan is 1 ten thousand. The monthly interest rate is 2 points. One-year term. That is, the principal 1000 plus 12 months interest of 2400 yuan. Monthly repayment 1033 yuan. Over 12 months.
Question 7: What is the longest repayment period of personal microfinance? The longest repayment period of personal microfinance is 3 years.
Materials required for loan from the bank:
1. First, you must have a valid personal identity document, provide a household registration book, and have full civil capacity;
2. Have a stable job and a good income. If you receive your salary through bank transfer, you need to submit the running proof of your recent salary card;
3. Unmarried persons submit unmarried certificates, and married persons submit relevant materials of spouses and family members;
4. Have a fixed account in the bank applying for the loan;
5. Other requirements of lending institutions.
The process of going to the bank for a loan:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Question 8: What is the longest repayment period of bank micro-loans? The longest loan period is 30 years. If you apply for a loan through China Merchants Bank, the information such as the execution interest rate, amount, loan term and repayment method of the loan you specifically apply for needs to be determined after the handling bank specifically examines your comprehensive information after you apply for a loan.
Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.
Question 9: How long can a small personal loan last? 1. Citizens with China nationality (excluding Hong Kong, Macao and Taiwan residents) have full capacity for civil conduct;
2. Having a fixed residence at the place where the loan handling bank is located, and having a permanent residence or a valid residence certificate;
3. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);
4. Have a good credit record and willingness to repay;
5. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;
6. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income, and other projects explicitly prohibited by national laws and regulations;
In addition, advertising, sauna, * * *, Internet cafes, oxygen bars and other industries that are not encouraged by national industrial policies cannot apply for small secured loans. Labor-intensive small enterprises can only use loans mainly as funds and working capital for expanding reproduction and equipment transformation. If an enterprise is in financial crisis due to poor management, it cannot apply for a loan.
In addition, self-employed projects with successful entrepreneurship, good operating conditions, good credit record, timely repayment, good loan use efficiency, further expansion of project scale and re-employment of more than three people can also apply for small secured loans again according to the Measures.
The longest loan period is three years.
According to the "Measures", the amount of small secured loans applied by individuals generally does not exceed 65,438+10,000 yuan; If you are employed in the form of partnership or organization, the loan scale can be determined according to the per capita amount of 6,543,800 yuan and the total amount of 400,000 yuan. The loan term is generally not more than two years, and it will be paid off in one lump sum after maturity, and mortgage repayment is not allowed. If the borrower proposes to extend the period and the handling guarantee institution agrees to continue to provide the guarantee, the handling financial institution may extend the period once according to the regulations, but the period shall not exceed one year. In other words, the maximum loan period of an individual is no more than three years.
According to the Measures, for qualified labor-intensive small enterprises, the loan amount can be reasonably determined according to the actual number of qualified employees, generally not exceeding 2 million yuan. The loan term is generally not more than two years. If the loan for labor-intensive small enterprises is extended and meets the requirements, the handling financial institution may extend it once in accordance with the relevant provisions, and the term shall not exceed one year. In other words, the loan period of labor-intensive small enterprises is no longer than three years.
The interest rate does not change with the benchmark interest rate.
According to the Measures, the interest rate of individual small secured loans can be increased by 3 percentage points on the basis of the benchmark interest rate of loans announced by the central bank. If the benchmark interest rate of all small secured loans is adjusted within the validity period of the loan contract, it shall be implemented according to the interest rate agreed on the signing date of the loan contract, and will not change with the benchmark interest rate.
For small secured loans issued by qualified personnel engaged in self-employment (except for industries restricted by the state), full discount will be given within the loan period (especially for those who apply for extending the loan period and fail to repay it within the time limit), and the discount funds will be borne by the central finance.
Loans granted to qualified labor-intensive small enterprises will be subsidized (postponed and overdue) by the financial department at 50% of the benchmark loan interest rate (excluding floating interest rate) announced by the central bank, and the discount funds will be borne by the central and local governments in half.
In addition, if the lender or enterprise has a bad credit record of not repaying the loan on time, the financial institution that approves the loan will punish it according to the relevant provisions of the state.
* * * Establish a small loan guarantee fund.
The "Measures" require that a small loan guarantee fund should be established at or above the county level, and the special account should be stored in the handling financial institution. The scale of loans issued by financial institutions should not be less than 3 times that of guarantee funds.
It is understood that when the small loan guarantee fund reaches 20% for the small loan guarantee of a single handling financial institution, the guarantee business for the handling financial institution should be suspended. After further risk control measures are taken in consultation with the handling financial institution and reported for approval, the guarantee business will be resumed. For loan losses, the local small loan guarantee fund will pay in full. ...& gt& gt
Question 10: How many small loans can I apply for at most? How much can each family approve? It depends on your age and credit information. Sanjia is fine.