1. How about the loan pledged by Datong Bank?
This product is a business in which a borrower applies for a pledge loan from Datong Bank with the time deposit certificate in the bank as collateral. You can get RMB loans for daily consumption. , cannot be used for prohibited purposes.
Term of personal pledge loan: the longest term shall not exceed 1 year, and the term shall be determined according to the actual situation of the borrower, and the pledged goods must be effectively frozen within the loan term. Before the borrower pays off the principal and interest of the loan, it is not allowed to go through the formalities of loss reporting or early withdrawal of the pledged goods for any reason.
Interest rate of personal pledge loan: subject to the loan interest rate stipulated by Datong Bank. If the loan term is less than 6 months, the interest shall be calculated according to the 6-month loan interest rate; If the loan term exceeds 6 months, the interest shall be calculated at the one-year loan rate.
Note that personal pledge loans will not be extended, and everyone must repay them on time.
Personal pledge loan amount: the starting point is 2000 yuan, and the maximum loan amount does not exceed 90% of pledged deposits (national debt denomination).
In a word, this kind of pledge loan is suitable for users with time deposits in banks, with relatively high quota and flexible term, which can meet the needs of most users.
2. How to apply for a loan pledged by Datong Bank?
1. Submit the loan application approval form to Datong Bank and fill in relevant materials.
2. Prepare valid personal identification documents.
3. Pledge the rights required to provide the guarantee. If the rights are pledged to a third party, the identity certificate and pledge authorization of the obligee shall also be provided.
4. Other information required by the bank.
The bank requires the borrower to take full responsibility for the authenticity and legality of the information provided.