Yes, it's closed.
It was closed because of the epidemic. Direct loan is a new project jointly launched by Bank of Ningbo and JD.COM, which is transformed from the original E-White Link in Bank of Ningbo. At present, the maximum amount of direct loans is 50,000, the average amount is 15000, and the longest term is 12.
Can Bank of Ningbo borrow credit information directly? Doing these well has a high pass rate.
It is not so difficult to apply for a bank loan now. Many banks provide credit loans that can be applied online, such as direct loans in Bank of Ningbo. You can apply for credit without mortgage guarantee, but only if the credit is passed. So, can Bank of Ningbo borrow credit information directly? Let's briefly introduce it today.
Can Bank of Ningbo borrow credit information directly?
Direct loan is a credit loan in Bank of Ningbo, which has the advantages of zero mortgage and zero guarantee. The maximum credit line is 200,000 yuan, and one credit is valid for three years. Borrowers can apply in Bank of Ningbo through official channels, such as WeChat official account, mobile banking and other self-service channels. The system will automatically approve the application without face-to-face signing, and the results can be obtained as soon as possible, and the loan will be released on the same day after approval.
To apply for a direct loan, the borrower needs to be at least 20-50 years old, with stable income and good credit. As we all know, the direct loan approval will check the credit information, focusing on three places, one is the loan record, the other is the publicity record, and the third is the inquiry record.
Credit information mainly refers to the excessive number of credit records, that is, loan approval, credit card approval, guarantee qualification examination and other reasons. , is a typical credit investigation flower, such as/kloc-0 more than 3 times per month and more than 8 times in 3 months. Banks will think that such people are short of funds, have weak repayment ability and have great loan risks, so they will be more cautious when approving loans.
Therefore, it is suggested that it takes at least three months to submit a credit report and then apply for a direct loan. During this period, loans and credit cards should be suspended, and even the credit line should not be checked. The credit business that has been handled should maintain good use behavior and repay on time. If possible, try to settle the outstanding debt of the credit information to release the repayment ability, and the pass rate will be higher.
The above is "Can Bank of Ningbo use direct loans to collect credit information?" I hope it helps you.
Amount of mortgage loan for foreign-related houses in Bank of Ningbo
The loan amount of Ningbo mortgaged real estate is 70% of the appraised value, but it is limited to individual housing mortgage. If it is a store or office building mortgage, the loan amount is 60% of the real estate appraisal value. If the mortgage is an industrial plant, the loan amount shall not exceed 50% of the appraised price.
For example, if your house is a residence, the appraisal price is 3 million yuan, and the bank loan ratio is 70%. If you put it into the formula, you can borrow up to 3 million × 0.7 = 265,438+10,000 yuan.
The loan amount of Ningbo mortgage house is generally not fixed. Generally speaking, it depends on the appraised price of the house. This evaluation price is not what you think, but is evaluated by a professional organization. It also depends on the specific situation of your house, such as the age, area, property rights and so on.
Generally speaking, the older the house, the smaller the room for appreciation and preservation of the house, and the lower the proportion of loans approved, even loans. For houses with remote locations and small areas, the loan ratio is generally low. If the location is remote and the area is small, the liquidity of the property is worse, the loan ratio is low, and even loans cannot be obtained. Then the bank will comprehensively evaluate your personal situation, such as repayment ability and personal credit status.
In order to increase the loan amount of mortgaged houses in Ningbo, it is generally necessary to increase the guarantee or credit enhancement measures. Personal credit report is good, income is stable, bank inflow and outflow are stable, and housing liquidity is strong enough, which is helpful to increase the amount of real estate mortgage loans. In addition, the risk control measures and loan rules of different commercial banks will be different, and the loan amount of different commercial banks will be different. The loan amount of the same borrower, the same house and different commercial banks will also be different. So before lending, we need to know many aspects and choose the right commercial bank.
Bank of Ningbo Beijing Credit Loan Line
Bank of Ningbo Beijing Branch is a member of Fangshan Trade Union.
Provide credit loan service
In order to adapt to the new normal trend of China's economic development of "mass entrepreneurship and innovation" and encourage employees to actively start businesses and be brave in innovation, Bank of Ningbo Beijing Branch provides convenient, fast and preferential financial support to interested employee members in our district. The relevant matters are as follows:
I. Service tenet
Provide high-quality and rich financial services for employees who want to start a business, support entrepreneurship, encourage innovation, show themselves and reflect value; To provide loan services for realizing the happy life dreams of employees' families and individuals, it is convenient and fast, and the discount is unsecured and unsecured.
Second, the scope of services
Fangshan District is a member of Jingka Mutual Service Card. The first service target is card-holding union members of government agencies and institutions.
Third, the service content.
Bank of Ningbo directed the distribution of special funds applied by various member units in Fangshan District. Loans don't need mortgages or guarantees. The maximum credit loan for each member is 6,543,800+0,000, and the maximum credit loan for a family is 6,543,800+0,500, which is higher than that of units outside the same level. The loan package mainly provides "white collar" and "white collar" credit products.
1, white-collar integration
White-collar financing is an unsecured and unsecured Internet credit loan with a maximum amount of 500,000. Product one-time credit, valid for three years, one-time repayment of principal and interest at maturity. Within the validity period and quota, customers can borrow money from Bank of Ningbo direct banking platform at any time, and choose the loan term flexibly. The interest rate of products can be adjusted at any time according to the market, and the interest rate announced at the time of actual borrowing shall prevail. (See Annex I for specific product contents)
2. White collar workers
Bailingtong is an unsecured and unsecured credit loan product with a maximum amount of 300,000. This product is granted a one-time credit, valid for three years, and can be recycled within the validity period, with daily interest, monthly interest and repayment of principal at maturity. The product interest rate is adjusted at any time according to the market, subject to the announcement at the time of actual borrowing. (See Annex I for specific product contents)
Fourth, the service mode.
1, centralized processing. If there are more than 10 employees in this unit who are interested in handling related business and making an appointment by telephone, Bank of Ningbo will send staff to handle it at home. Issue loan cards to each applicant, open online banking, and provide on-site guidance and operation instructions.
2. Personal handling. If the number of employees in this unit is less than 10, individuals shall go to Bank of Ningbo Beijing Branch with relevant materials, and a special person shall handle relevant formalities for members.
Verb (abbreviation of verb) required materials
1, required information
(1) Original of my ID card and Jingka Mutual Insurance Card.
(2) Original spouse ID card (married member)
(3) Original marriage certificate (married member)
(4) Personal certificate (see Annex II, which needs to be stamped with the official seal or personnel seal of the unit, and the alteration is invalid);
(5) Original property ownership certificate (if you choose to provide it, the amount can be increased)
Verb (abbreviation of verb) Bank of Ningbo contact information
1. Business consultation telephone number of Bank of Ningbo Beijing Branch:
Business manager Yao Yao 53266075,1351kloc-0/000811,
Business Manager Lei Yu 53266073, 134367 14077.
2. Address: Floor, Guangyao Dongfang 100, West Third Ring North Road, Haidian District, Beijing.
3. Website: