Loans often take three forms: banks, intermediaries and loan companies.
If you want to borrow money from a bank, the general loan process is as follows:
First, apply for a loan.
Then, the bank will evaluate your credit rating according to your application.
Then, you can wait for the loan approval.
Finally, you wait for the loan to be issued.
Through an intermediary.
For customers who don't know about loan products, I suggest you choose this method. The so-called intermediary lending platform means that such platforms have established cooperative relations with banks and formal lending institutions. Customers can consult first and then find suitable institutions and loan products, and then hand them over to banks or loan institutions for handling.
Taking Rong 360 as an example, the online personal loan application process is as follows: platform loan application->; Platform qualification survey->; Referee-> The agency negotiated to sign the contract and successfully obtained the loan.
Through the loan company.
At present, there are many loan companies in the market, such as CreditEase, Urgent Loan and Zhongan Credit. There are also a large number of loan companies in the name of guarantee and consultation. There are also some electronic financial institutions, such as the p2p-based Renren loan website. These institutions can also apply for loans.
It should be reminded that:
Because the internet is full of scammers, phishing websites and loan companies, and you don't know the qualifications and legitimacy of such loan companies, you are likely to fall into the trap of scammers.
In addition, there is ICBC's self-built housing loan policy for your reference.
ICBC's self-built housing loan refers to the loan issued by the lender to the borrower for self-built housing.
China Industrial and Commercial Bank self-built housing loan application conditions
1. The house built is reasonable in design, can be traded on the market, has strong liquidity and can be mortgaged;
2, the construction land must be obtained by paid transfer, and the borrower is the right to use state-owned land;
3. The house has been approved by the relevant departments, and the procedures are legal, complete, true and effective;
4. The borrower (the builder) has obtained the state-owned land use certificate, the construction land planning permit, the construction project planning permit and the building construction permits and other construction documents;
5. The borrower has paid off all the land payment and obtained the land payment voucher;
6, self-built housing construction project budget and project construction progress;
7. There is no property right dispute in the built house.
Term of China Industrial and Commercial Bank's self-built house loan
The longest loan period is 30 years, and the sum of the borrower's age and loan period shall not exceed 70 years. If more than two borrowers borrow from the same borrower, the loan term may be determined according to the lesser one that meets the loan conditions.
The loan amount and interest rate of ICBC's self-built house
ICBC's self-built housing loan amount: The maximum loan amount is 70% of the housing cost price.
Interest rate of ICBC's self-built housing loan: subject to the provisions of the central bank.
I hope I can help you.