Housewives usually have no stable income, but as long as they have enough repayment ability, housewives can still apply for online loans, bank credit loans, mortgage loans and secured loans. Online loan products are usually credit loans, the loan amount is not high, the lender's repayment ability is not high, and housewives can apply. As for bank loans, as long as housewives meet the loan threshold, they can submit loan applications.
If the bank loan insists that the lender must have a stable job and income, then the housewife can only choose to apply for other loans.
Second, how do housewives get loans?
Identification and business premises:
The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The proof of fixed residence can be the real estate license (the real estate license of parents' names), the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that they are engaged in normal production and business activities.
fund
The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. Related books
Settlement account:
The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
loan
Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc., to increase the credibility of the loan and facilitate the smooth acquisition of the loan.
Application procedure
Preparation materials:
These materials include personal or family income and property status such as identity certificate, repayment ability agreement and contract; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank. Finally, there must be collateral, and the mortgage method is not limited to mortgage, pledge of time deposit certificates of goods, pledge of securities and circulation.
Fill in the application form
The applicant holds the business plan (or loan project) and submits the business loan application to the loan guarantee recommendation institution or business experts.
Get a recommendation:
After the recommendation institution organizes the expert project demonstration for business opening guidance, it will put forward recommendations in the application for business opening loan if it meets the conditions for business opening loan; Do not meet the conditions, it shall provide relevant materials to the applicant.
identity
The applicant obtains the identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the Application for Opening an Account Loan.
Bank acceptance bill:
The applicant submits the loan application to the acceptance point of the designated bank with the signed recommendation application form, and provides relevant materials.
Loan review:
Fill in the bank audit opinion column of the application for opening an account loan from the date of acceptance. If you don't agree to the loan, you should give your opinions in time.
Apply for a loan:
After accepting the bank's opinions on loan guarantee, the lender's individual (or unit) guarantee procedures and loan procedures can be handled according to the requirements of bank credit rules and regulations within five working days.
3. How do married women apply for loans?
Are you talking about women's small secured loans? This is a loan product launched by Gansu Province for women in the province last year. This loan application procedure was initiated by the Women's Federation, recommended by the village committee, examined and approved by the People's Social Security Bureau and the Finance Bureau, and finally passed by the credit cooperatives. Guaranteed by the security fund, with financial discount, with a term of two years and a maximum of 50,000.
4. How do housewives get loans?
Proof of identity and business premises: the loan applicant must have legal and valid identity certificate, proof of legal residence at the place where the loan bank is located, and a fixed residence or business premises.
The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
Proof of funds: the loan applicant's investment projects require him to have certain self-owned funds.
This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. Relevant account book settlement account: the loan applicant must open a settlement account in the bank where he lends, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
Loan guarantee: loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge, third-party guarantee, etc. In addition, they should provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credit integrity of loans and facilitate the smooth acquisition of loans. Preparation materials for application procedures: these materials include identity certificate, marital status certificate, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank.
Finally, there must be collateral, and there are many ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on.
Fill in the application form, and put forward the demonstration requirements to the loan guarantee recommendation institution or the opening experts with the opening plan (or loan project book). Those who pass the argument can apply for an opening loan.
Get recommendation: after the recommendation institution organizes experts or relevant personnel to demonstrate the application project, those who meet the requirements of the opening loan will sign the recommendation in the recommendation column of the opening loan application; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant.
Identity confirmation: the applicant obtains identity confirmation from the street employment service agency where the household registration is located, and signs in the identity confirmation column of the application for opening a loan.
Bank acceptance: The applicant holds the Application Form for Opening an Account for Entrepreneurship Loan signed with recommendation and identity confirmation opinions, and submits a loan application to the designated bank acceptance point, and provides relevant materials.
Loan review: the bank shall make a loan review opinion within 10 days from the date of acceptance, fill in the comments in the bank review opinion column of the Application for Opening an Account Loan, and submit them to the account opening guidance service center.
Do not agree with the loan, to inform the applicant in time, and put forward opinions.
Handling loan: After accepting the bank's opinions on obtaining loan guarantee, the lender's individual (or unit) guarantee procedures and loan procedures can be handled according to the requirements of bank credit rules and regulations within five working days.