If an individual wants to borrow 50,000 yuan, he can choose to apply for a credit loan. You can bring your personal ID card, residence certificate (household registration book or temporary residence permit) and income certificate (such as bank account number and payroll) to the selected bank or other licensed financial institution outlets to find a staff member to apply for a loan.

Of course, customers can also borrow money directly from the loan platform through online channels. Many banks also provide online loan products, and customers can also apply online through online banking/mobile banking and other channels.

In terms of credit loans, as long as the customer 18 is over one year old, he has full capacity for civil conduct; And personal credit is good, and there is no bad record (big data) in the credit report; And have a stable source of income, have the ability to repay the principal and interest of the loan on time, and generally can be successfully approved.

In addition to credit loans, if a customer has certain assets under his name, he can also mortgage the assets to apply for mortgage loans. Just prepare the relevant ownership certificate of the collateral when applying. Note that collateral must have sufficient value space and clear ownership. If it is not unique to individuals, it must also obtain the written consent of the property owner.

Interest calculation

Usually calculated according to the formula: interest = principal × interest rate× loan term, depending on the type of interest rate, such as daily interest rate, monthly interest rate or annual interest rate. These three interest rates can be converted to each other.

Where annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (days); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days).

For example, the personal loan amount is 50,000 yuan, the daily interest rate is five ten thousandths, the daily interest is 25 yuan, and the monthly interest for 30 days is regarded as 750 yuan, and the annual interest is 9,000 yuan for 360 days.

Please note that the calculated interest may be different depending on the repayment method. For example, if the repayment of principal and interest are equal, and the repayment of principal is equal, there will be more interest to be paid in the average capital.

What are the requirements for a loan of 50,000 yuan from the bank?

The conditions for a bank loan of 50,000 yuan are as follows:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct. 2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule. 3. Have a good credit record and willingness to repay, and no bad credit record. 4. It can provide legal, effective and reliable guarantees recognized by banks. 5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.

6. Open a personal settlement account in the bank.

The process of bank loan: 1. To prepare for the loan, the applicant needs to prepare personal ID card, household registration book, income certificate, marital status certificate and other materials. 2. The applicant applies for a loan at the counter of the bank business hall, submits relevant materials as required, and fills in the loan application form. 3. Pre-loan approval The applicant accepts the pre-loan review of the bank, mainly to check the personal debt and credit status, and will inform the applicant of the results after approval. 4. If the signing of the loan contract is approved, the bank will sign the loan contract with the applicant and stipulate the loan term and interest rate. To apply for mortgage loan with collateral, mortgage registration is required. 5. Bank loan The bank will issue the loan to the applicant's personal account within the specified date, and the applicant will repay the loan on schedule.

How can I borrow 50 thousand

If you want to borrow 50 thousand yuan, it's not particularly difficult. First, you can borrow money from friends and relatives. In addition, you can withdraw money by credit card. You can find some small loan companies, but you must pay attention. No matter which loan method you choose, it must be safe, regular and reliable. Like Ant Borrowing, it is a micro-credit loan of Alibaba, with an upper limit of 50,000 yuan, a daily interest rate of 0.045% and the longest loan term of 12 months. As long as the sesame credit score reaches 600 or above, you can apply, and a loan of 50,000 yuan will be received quickly within 1 hour.

What are the conditions for a bank loan of 50,000 yuan?

1, must be a China citizen with full capacity for civil conduct, generally required to be between 18-60 years old, and some banks will limit it to 25-50 years old;

2. Have a fixed residence in China, or have a fixed residence in a local town (or a valid residence certificate), or have 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.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks, the loan interest rate of commercial banks to customers and the interbank lending rate.

The decisive factors of bank loan interest are:

1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.

2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.

3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate also needs to consider the influence of price changes, securities returns, political factors and other related factors.

How to borrow 50 thousand when there is no way out

Loans can be obtained from the following platforms:

First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.

Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.

3. Return: Shanghai Jihe Information Technology was established on 20 15 and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.

4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.

Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.