How to apply for small loans? Method 1: 1. Borrowers should apply to the bank outlets that provide small loans. When applying, the borrower should bring his ID card and other related materials, and if he is a merchant, he should also bring his business license;
2. After receiving the lender's application, the bank investigates the lender. The bank mainly examines the lender's personal credit status and personal income status to decide whether to lend money;
3. After investigation and approval by the bank, sign a loan contract with the bank;
4. The bank lent money, and the lender successfully got the loan.
Second, how to apply for small loans:
How to apply for small loans? Although microfinance is called microfinance, it is also a loan. All loans, whether bank loans or private loans, need your repayment ability. In other words, those who claim that they can lend you money unconditionally must be liars or pretenders.
In addition, many people ask whether they can get a loan with their ID cards. The ID card can be replenished at any time. With an ID card, a regular loan company will not lend you money.
Third, how to identify illegal institutions?
1, depending on the interest rate, if it is more than 4 times higher than the benchmark interest rate for the same period, it is illegal;
2. See if there is any charge before the loan. If there are various handling fees, if the loan is postponed, it is a problem to charge in the name of interest.
3. Remittance pays interest, and it is charged for various reasons before lending. If the interest rate is too high, no contract is signed.
Method 2: 1. How do individuals apply for small loans?
Individuals applying for small loans, taking Yangzhou City (Guangling District, weiyang district, Development Zone) as an example, are laid-off and unemployed people under 60 years old, healthy, honest and trustworthy, with certain labor skills and receiving re-employment concession cards, retired soldiers in cities and towns, registered unemployed people in other cities and towns, college graduates and landless farmers. (hereinafter referred to as re-employment personnel), and are self-employed, self-employed or partnership enterprises. Individuals applying for small loan guarantees need to provide:
(1) Pre-examination Form of Small Guaranteed Loan for Laid-off and Unemployed Persons issued by Labor Security Workstation of Community Neighborhood Committee in the place of residence.
(2) Copy of Employment Registration Certificate
(3) copy of re-employment concession card
(4) copy of entrepreneurship training certificate
(5) Copy of business license (copy)
(6) A copy of the ID card of the applicant and spouse.
(7) A copy of the household registration book of the applicant and spouse.
Copies of items (2)-(7) shall be consistent with the original.
Second, how to provide counter-guarantee for individuals applying for small loans
Counter-guarantee refers to the guarantee provided by the debtor or the third party to the guarantor or the guarantee of collateral. When the guarantor suffers losses due to paying off the debtor's debts, the debtor shall pay off the guarantor. It embodies the rights and interests between the two. In insurance business, the payment guarantee issued by the insurer to the subject matter of insurance usually includes the part that the insured should bear, that is, the insured should issue his own liability guarantee certificate to the insurer, that is, the insured provides counter-guarantee to the insurer. Also known as repayment agreement or counter-guarantee. Counter-guarantee refers to the guarantee that the third party who provides guarantee for the debtor requires the debtor to provide in order to ensure the realization of its right of recourse. When the debtor fails to perform the debt at the expiration of the debt repayment period, the third party becomes the debtor's creditor after assuming the guarantee responsibility, and the third party has the right to recover the debt paid on behalf of the debtor. When the third party exercises the right of recourse, the right of recourse may be invalid because the debtor is unable to repay. In order to ensure the realization of the right of recourse, a third party may require the debtor to provide a guarantee when guaranteeing the debtor. This kind of guarantee provided by the debtor for the guarantor in turn is called counter-guarantee.
In principle, individuals applying for small loan guarantee need a third party to provide credit counter-guarantee. The third party should be civil servants, official staff of public institutions, cadres above the middle level, teachers, doctors and other people with fixed jobs, annual income of more than 20,000 yuan and no bad credit records or other economic violations. Among them, if the counter-guarantor is an individual, it shall provide the identity certificate and a copy of the identity card of its unit, which shall be signed by the guarantor, lender and counter-guarantor. If the counter-guarantor is an enterprise legal person, a copy of the business license of the legal person shall be provided in addition to signing a tripartite contract.
If it is really difficult for micro-lenders to provide third-party credit counter-guarantee, and they have enforceable and effective property, they can also mortgage or pledge such items.