Category: Business/Financial Management

Problem description:

How can I get a bank loan without personal assets mortgage?

Analysis:

Personal Employment Loan: Personal Employment Loan refers to the loan granted by China Construction Bank (hereinafter referred to as "CCB") to a natural person who applies in the name of a natural person and engages in legal production, operation and investment, so as to solve personal short-term and medium-term capital needs.

Basic rule

1. Loan target: natural person engaged in legal production and operation.

2. Loan amount: The minimum credit amount is 50,000 yuan and the maximum credit amount is 3 million yuan.

3. Term of loan: The maximum term of validity of the credit line is three years, and the term of a single loan under the credit line shall not exceed two years.

4. Loan interest rate: in accordance with the relevant regulations of the People's Bank of China and the Head Office.

5. Guarantee method: the guarantee is mortgage, pledge, guarantee, etc., and the guarantee provided solely by a third party is not accepted.

6. Application materials to be provided:

1. Original and photocopy of valid identity documents and marriage relationship certificates of the borrower and spouse;

Two, the borrower and his spouse's local permanent residence or local permanent residence certificate;

Three, engaged in production and business license, engaged in licensed business, should provide the original and copy of the business license of the relevant administrative departments;

Four, the production and business activities of the tax certificate;

Verb (abbreviation of verb) proof that the borrower's spouse promises to repay the loan;

The certificate of pledge right, the list of mortgaged (pledged) goods and ownership certificate, the written document of the owner and the property agreed to be mortgaged (pledged) required by the borrower to obtain the loan amount;

Seven, the construction bank secondary branch (including) approved collateral valuation report issued by the evaluation department;

Eight, other information needed by the Construction Bank.

Processing channels and procedures

1. Handling channel: the customer handles personal loan business through the business institution designated by China Construction Bank.

2. Processing flow:

(1) To apply for a personal business loan, the borrower must apply to the loan bank with the relevant application materials specified by the Construction Bank, fill in the application form and submit relevant materials;

(2) The account manager shall report to the competent examination and approval department for examination and approval after two-person field visits and approval, and sign a loan contract with the customer after approval by the bank;

(3) The account manager handles the loan procedures and transfers the money to the settlement account opened by the borrower in our bank, so that the customer can use the loan funds;

(4) The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment;

⑤ After the loan is settled, the business outlets will return the mortgage (pledge) voucher to the customers.

Second, how to transfer the new online banking loan?

1. Reason: Because the money in the online bank loan repayment account is generally required by the user, if the user does not have the correct account information, the repayment cannot be completed. 2. Solution: You can contact the bank customer service, ask the bank customer service to provide the correct repayment account information, then log in to the online bank and transfer the money to the designated account to complete the repayment. 3. Practice steps: (1) Contact the customer service of the bank and ask for the correct repayment account information; (2) Log in to online banking and select the transfer function; (3) Enter the collection account bank; (4) Enter the repayment amount, and click OK after confirming that the collection information is correct; (5) Confirm the successful transfer and complete the online bank loan repayment. 4. Related knowledge: (1) Online banking loan refers to the loan that the bank issues to customers who hold bank electronic accounts through online channels; (2) Online banking loan users use online banking to transfer money to designated banks. (3) Users should contact the bank customer service to obtain the correct repayment account information before repayment. You should confirm whether the payment is correct.

Third, how do individuals get bank loans?

What are your personal conditions?