Three common loan methods for large loans

1. mortgage the house in my own name or that of others.

Compared with other types of loans, the amount of housing mortgage loans is higher and easier to get approval. The mortgage loan can reach up to 70% of the appraised value of the house, and the longest term is ten years. However, it should be noted that if a house under another person's name is used as mortgage, the consent of the other party must be obtained, and a letter of commitment to mortgage must be issued, and the house as mortgage must have a real estate license and a land certificate.

2, with car mortgage and credit loans.

If you apply for a car mortgage and a credit loan at the same time, the loan money you get is also considerable. But the premise is that the borrower needs good personal credit and stable income, because after applying for auto mortgage and credit loan at the same time, the debt will definitely be higher. Only when the repayment ability is strong, the lending institution will accept the application. So you can get a large loan in 1-5 days.

3. Apply for multiple loans from the loan company at the same time.

After a borrower applies for a loan in one bank, if he goes to another bank for a loan, he may be unable to get a loan because of his high debt. In this case, borrowers can seek loans from loan companies, because most loan companies are not connected to the central bank's credit information system, and it is impossible to inquire whether borrowers have loan records in other loan companies. Borrowers can seek more loan companies to handle loans to meet their own capital needs.

Operation process of personal application for large loan

Individuals applying for large loans are divided into three steps.

1, which meets the requirements for large loans.

(1) China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland.

(2) Pay the down payment (not less than 30% of the total purchase price)

(3) have a stable economic income and the ability to repay the principal and interest of the loan.

(4) Agree to use the purchased property as loan collateral. Meet these banks to consider whether to agree to lend you money.

2. Prepare the materials needed for large loans.

(1) Original and photocopy of resident ID card.

(2) The original and photocopy of the house subscription book.

(3) The original and photocopy of the down payment.

(4) proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.

3. Apply for a large personal loan

(1) Purchase the commercial house of the developer designated by the bank in this city with the legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport.

(2) Open a special deposit account in the bank, and the deposit balance shall not be less than 30% of the purchase price.

(3) Having valid documents such as purchase contracts and agreements.

(4) Agree to mortgage the property under the house purchase contract.

(5) Willing to perform all the terms of the loan contract and meet other conditions stipulated by the bank. The bank can handle large personal loans for you.

What channels can I apply for a large loan? There are these methods!

At present, there are many mobile phone credit loans on the market, most of which are relatively low and suitable for short-term temporary capital needs. If you need a lot of money, it is recommended to apply for a large loan. So which channels can apply for large loans? Today I will introduce several methods, hoping to help everyone.

1, bank loan

There are many domestic financial institutions, including commercial banks, city commercial banks and credit cooperatives. You can borrow money. Different bank loan products are different. If they have eligible collateral in their names, they can apply for a very high mortgage loan.

2. Business license credit loan

If you start a company to do business, you can apply for a large loan with your business license. If you want to apply for a loan of more than one million, the conditions are very strict. Companies are often required to be registered for more than three years, and some must be registered for more than five years. How much bank flow has reached in these three years, how much tax has been paid in these three years, and how many employees have to pay social security.

However, the current situation is that there are very few enterprises that can meet the target, often large and medium-sized high-quality enterprises, and it is often difficult for small companies or enterprises that are in urgent need of money to borrow money.

3. Portfolio credit loans

In other words, all banks will lend some money, and the starting point for portfolio loans will be much lower. Ordinary "house slaves" legal entities can lend, which is relatively easy to achieve.

4. Private loans

General companies have their own circles. If relatives and friends have financial strength, they can also borrow money from each other and sign legal loan contracts, which is also recognized by law.

In a word, it is not easy to borrow large loans. It is best to consult the staff in person at the outlets to see what conditions need to be met, and then prepare relevant materials.

How to handle a large personal loan?

The process of applying for personal loan

1, customer application

Fill in the loan application form as required.

2. Materials submitted by customers

The applicant's identification materials, including valid ID card, residence booklet and residence certificate. If you have a spouse, you should also provide a marriage certificate, a spouse's identity card and relevant identification materials.

Step 3 review

① Whether the materials submitted by the customer are complete, whether the official seal affixed is clear, whether the name of the loan enterprise is consistent with the business license, and whether the materials are complete, legal, standardized, true and effective.

② Whether the currency, term, amount, guarantee method and loan purpose of the credit business are consistent with the contents of the negotiation.

③ Whether the application purpose, term, amount, guarantee method and basic information of entrusted agent of credit business are consistent with the resolutions of the shareholders' meeting or the board of directors. Whether the signatories of relevant resolutions comply with the articles of association and organizational documents.

(4) valid certificates such as business licenses that have passed the annual examination.

(5) review the mortgage or guarantee materials, whether the collateral is sufficient, and whether the guarantor has the ability to guarantee in full. After the customer's application materials are audited, if the materials are incomplete, the agent shall return the application materials to the customer and make explanations.

4. Credit evaluation

① The overall credit status of customers, including the credit status of the People's Bank of China and social credit status.

(2) Assets and liabilities, real estate situation

③ Whether the loan purpose and repayment source are reliable.

④ Whether mortgage or guarantee is feasible.

Step 5 agree

6. Implement pre-loan conditions

7. Sign contracts, including guarantee or mortgage contracts.

Step 8 support

9. Credit registration

10, accounting

1 1. Post-loan inspection

12, loan recovery

Extended data:

I. Personal loan conditions

1, at least 25 years old, with full capacity for civil conduct and permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

3. Good credit record and no bad credit record.

4. It can provide legal and effective guarantee recognized by the bank.

Second, the classification of personal loans

1, personal automobile consumption loan

2. Personal durable consumer goods loans

3. Personal commercial loans

4. Personal valuable documents

5. Personal microfinance

Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount generally does not exceed 1-200,000, and the loan term varies from1-2 years.

6. Personal non-residential mortgage loan