What is Yuci unsecured loan program?
1. The borrower goes to the loan bank to fill in the Application Form for Personal Housing Loan and submit the following materials: ① the borrower's ID card and household registration book; (2) Letter of Intent for House Purchase or other supporting documents; (3) A certificate of stable income of the borrower's family issued by the borrower's unit; (4) Other certificates required by the lending bank.
2. Audit of the loan bank: The loan bank will audit the borrower's loan application and other supporting materials, issue a loan commitment letter after the approval, and sign a mortgage contract with the borrower.
3. The borrower signs a house purchase contract with the house selling unit: the borrower signs a house purchase contract with the house selling unit based on the loan commitment letter issued by the loan bank, and requires the house selling unit to sign a real estate acceptance contract.
4. The borrower handles the mortgage in home insurance: The borrower handles the mortgage in home insurance with the purchase contract at the insurance institution designated by the loan bank.
5. The borrower signs the Personal Housing Mortgage Loan Contract with the loan bank: the borrower signs the Personal Housing Mortgage Loan Contract with the third party (legal person) guarantor with the purchase contract, mortgage contract, custody contract and insurance policy, and goes through the mortgage registration with the real estate management authority within 30 days. If the parties request notarization, they can go to the notary office for notarization.
6. Loan bank transfer: the loan bank transfers the loan to the deposit account of the seller in the loan bank specified in the house purchase contract.
How much is the interest of Yuci unsecured loan lower?
1, and the annual interest rate is maintained at around 8.05%. The better the borrower, the lower the interest rate. High-quality Yuci borrowers considered by lending institutions include civil servants, unemployed people, employees of large state-owned enterprises and employees of top 500 enterprises. If the average borrower applies for an unsecured loan with a monthly interest rate of 2.2%, the civil servant may get a monthly interest rate of 1.8%.
2. At present, Yuci market has unsecured loan interest rates specially for civil servants, employees of public institutions and other good groups. Generally speaking, the interest rate is lower than that of general unsecured loan products. According to national regulations, the interest rate of unsecured loans can rise 10%-30% on the basis of the benchmark loan interest rate set by the central bank.
3. Because there is no collateral and no guarantee, whether it is floating 10% or floating 30% can only be determined after the bank strictly examines and approves Yuci's personal loan qualification. If it is a credit loan, the interest rate of unsecured loan products of state-owned banks is lower, but the application threshold is higher. It is generally difficult to apply. So now lenders pay more attention to some small loan companies, city commercial banks and foreign banks.
In short, the annual interest rate of Yuci unsecured loan remains at around 88.05%. The better the borrower, the lower the interest rate. High-quality Yuci borrowers considered by lending institutions include civil servants, unemployed people, employees of large state-owned enterprises and employees of top 500 enterprises. What is the above unsecured loan plan of Yuci in Bian Xiao? And how much knowledge Yuci unsecured loan interest is low, I hope the above content can help you.