The towering buildings and fast-paced life are all showing the vitality that Shenzhen should have. With the rapid economic development in Shenzhen, the greater the pressure it faces, then some people will need to apply for loans. Compared with all kinds of complicated loans, it is undoubtedly the most convenient to apply for credit loans, but many people have a series of puzzles about applying for credit loans. Let's take a look.
(1) Credit loan is not the so-called ID card loan.
In fact, credit loans are simply loans that borrowers apply for with personal credit. However, you can't apply for a loan just by your ID card. The slogan of many lending institutions is that you can apply for a loan only with your ID card. Borrowers must be careful of this trap. Only your ID card can't prove the borrower's repayment ability. If you want to get a credit loan, you need to provide your own valid identity certificate, marriage certificate, residence certificate and work income certificate.
(2) Strictly speaking, credit loans are higher than the expected annualized interest rate of mortgage loans.
Some loan companies say that the expected annualized interest rate of their credit loans is very low, and borrowers need to pay attention. What borrowers need to know is that credit loans are loans issued by lending institutions without any mortgage guarantee, and the risks borne by lending institutions are relatively high. In order to reasonably control the risks borne by lending institutions, the expected annualized interest rate of credit loans will be slightly higher than that of mortgage loans.
(3) There is no need to pay any handling fee before successfully obtaining the loan.
We know that the threshold for applying for a loan from a bank is relatively high, and the approval time is long, which can not meet the borrower's capital demand to a certain extent. Many online loans came into being. We need to note that although the threshold of online lending is relatively low and the lending speed is relatively fast, you should not pay any fees in any way before you get the loan money. Yu fengchai
What are the requirements for handling the personal credit revolving loan of China Bank Shenzhen Branch?
China Yinze Chunhang Shenzhen Personal Credit Revolving Loan Handling Conditions:
1. China people and China citizens, including Hong Kong and Macao residents who have worked continuously in China for one year or more, should own their own property in Shenzhen.
2. A natural person who is at least 18 years old (at least 23 years old in guarantee/credit category) and has full capacity for civil conduct; The borrower's age plus the loan period is no more than 65 years old, and customers who meet the standards of private banking and wealth management of China Bank can be relaxed to 70 years old.
3. In principle, the longest overdue period of the borrower shall not exceed 1, and there is no outstanding overdue record.
4. Have a steady source of income and the ability and willingness to repay the loan interest on schedule.
Before handling personal consumption loan, you need to open a deposit account with Bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
What are the lender's conditions for China Bank's Shenzhen personal credit revolving loan?
Shenzhen personal credit follows the conditions of five-leather ring loan;
1, a natural person with full capacity for civil conduct;
2. People of China and citizens of People's Republic of China (PRC); The borrower must have a permanent residence in Shenzhen;
3. Have a fixed residence and a stable income;
5. The sum of the borrower's age and bank date shall not exceed 65 years old, and the borrower's age shall be over 23 years old. For details, please consult the loan handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions about orange powder, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How much can Shenzhen provident fund credit loan borrow?
Shenzhen provident fund credit loan can handle 4-5 loans at the same time, with a maximum loan of more than 2 million. As long as you have enough repayment ability, it is no problem to borrow 10 loan.
A customer, after borrowing from the provident fund, made 22 loans from the bank 1 1 and consumer finance, with a total debt of 2.89 million. The investment failed and I was unable to repay it, so I started an online loan.
The credit investigation is very clean. At the same time, four loans of 6.5438+0.4 million, one of 500,000 and the other three of 300,000 were granted. After waiting for half a year, I stayed for half a year, and then I gave the bank two loans of * * * 600,000 yuan. Then for eight months, the bank could not lend consumer finance, 22 loans.
Clean credit information, high punch card salary and high provident fund base. The down payment is 6,543,800,000 yuan, which will be repaid in five years, not to mention the full payment, and 800,000 yuan can be granted to the wild.
The credit loan amount of Shenzhen Provident Fund varies from person to person. The better the work unit, the higher the base of the provident fund, the cleaner the credit information, the lower the debt and the higher the quota!
This concludes the introduction of Shenzhen Loan Credit and Shenzhen Loan Credit Card. I wonder if you have found the information you need?