There is no need to find a guarantee for 10 thousand yuan to apply for mortgage registration.
The guarantor needs to provide ID card and proof of income. It is best to have a guarantor's marriage certificate. At the same time, the identity of the guarantor is relatively high, and not everyone can make a guarantee.
Question 2: What documents do you need for online microfinance? Id card, mobile phone number, bank card
Question 3: What procedures do banks need for small loans? Personal loan amount: 300,000-500,000; Loan time: 1 year -5 years; Loan interest rate: floating on the benchmark interest rate, no more than 4 times; Loan requirements: The borrower is a citizen of China, aged 18-60, with a fixed income and no bad credit record. Loan information: household registration book, ID card, work income certificate (with company seal or special financial seal), bank account number, address certificate (water and electricity bill), and other necessary information. The loan amount is generally 6-10 times your monthly salary. In order to make this kind of small loans, we usually look for joint-stock banks, joint ventures, foreign banks, such as Shanghai Pudong Development Bank, China Everbright Bank, or formal small loan companies, such as Ping An Easy Loan and CreditEase, instead of the four major state-owned banks. The procedures are cumbersome and we are unwilling to handle them.
Question 4: How do postal savings apply for small loans? What are the requirements and procedures? First of all, I want to correct your mistake. Postal savings is a place to save money. Postal banks are places to borrow money.
I. Joint guarantee requirements
1. Age 18 to 60 years old.
2. Living in the local area for more than one year or living in the local area.
3. Must get married.
4. The loan purpose is clear.
5. With a fixed business and a stable source of income, the Postal Savings Bank does not support venture loans.
6. No bad credit record.
Joint guarantee procedure:
1. My ID card and spouse ID card.
2. My household registration book, my spouse's household registration book.
3. Marriage certificate.
4. Real estate license.
Attachment: Business license is required for those who have a car, and land contract is required for those whose land exceeds 40 mu.
Second, the guarantee requirements
Attack. Need to find an employee of a national enterprise as a guarantee. For example: civil servants
2. The age is between 18 and 55.
The income is twice the monthly repayment.
4. No bad credit record.
5. Work locally.
Guarantee procedure:
1. Guarantor ID card
2. The guarantor's work certificate.
3 the guarantor's salary passbook or salary card, and the bonus income certificate issued by the bonus unit.
If you meet the above requirements, the Postal Savings Bank is willing to cooperate with you. If the joint guarantee does not need a guarantor or mortgage, I would like to remind the respondents on the second floor that the bank will definitely not charge any fees. The Postal Savings Bank will always serve agriculture, countryside and farmers and serve the people. If a staff member of the Postal Savings Bank does not abide by the bank's work discipline, he can appeal to the loan officer. The complaint number is 95580.
Question 5: What documents do I need to bring to apply for personal micro-loan in the bank? Loan preparation conditions:
1, if you want to have a fixed income, it depends on the salary details.
2. At least 22-55 years old,
3. If the loan is used for business or car purchase, there must be a guarantor and mortgage.
4. No bad credit record.
Materials to be prepared for the loan:
1. Lender ID card;
2. The credit information of the lender in the past six months, and the credit information is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. Lender's residence certificate (rental contract, real estate license, water, electricity and gas invoices for the last three months)
5. Income certificate issued by the lender's work unit.
6. Social security, insurance policies and provident funds can also be loaned.
Question 6: What proof do microfinance companies need for loans? If there is no proof of assets, you will generally be required to provide proof of identity, education, work, personal credit information and so on. The more complete the supporting materials you provide, the more convenient it will be for you to apply for a loan. .
Question 7: What about microfinance? What's the procedure? Hello, if it is a small loan from China Merchants Bank, there is a personal consumption loan. Personal consumption loans are loans granted by the Bank to natural persons for personal or family legitimate consumption purposes, such as car purchase, decoration, education, bulk consumption shopping, tourism and so on. And generally require real estate mortgage. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department.
Consumer loan application requires you to provide specific proof of the use of funds, usually through mortgage loans. Currently only real estate mortgage is supported.
You need to submit your personal information to the local counter personal loan department, and the handling bank will handle this business after reviewing your personal information.
Consumer loan applications generally need to provide application materials:
1. Identification information
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.
4. Guarantee certificate: proof of ownership of collateral. If there is a * * * owner, it is also necessary to provide a statement that the * * * owner agrees to mortgage or requires the * * * owner to sign a mortgage contract. Where other auxiliary guarantee methods are provided, corresponding certification materials are also required.
5. Proof of use: if the loan is used for car purchase/parking space, materials that can prove the authenticity of the purpose of house purchase, such as car purchase/parking space contract, subscription letter of intent, deposit receipt, down payment receipt, etc. , must be submitted; If the loan is used for decoration, materials that can prove the authenticity of the decoration must be submitted, such as the title certificate of the renovated property, renovation contract, advance payment receipt, etc. If the loan is used for educational purposes, it is necessary to submit the admission certificate, such as the admission notice issued by the school or similar certificate.
6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.
If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
Question 8: How to go to the bank to handle small loans, and what procedures are needed? Conditions for applying for small loans:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Question 9: What procedures do couples need for small loans? They need ID cards, household registration books, marriage certificates, mortgage property certificates and income certificates. They should go to the bank for consultation.
Mortgaged houses cannot be mortgaged, and loans need to be paid off, with an area of not less than 50 square meters and a house age of not more than 20 years. Small property rights and public houses are not accepted.
Question 10: What documents does CCB need for personal microfinance? Personal micro-mortgage loan is a combination of deposit and loan business launched by China Construction Bank. It takes the unexpired personal time deposit certificate issued by the bank as collateral, obtains a certain amount of loan from the savings office, and repays the loan principal and interest at maturity.
Small mortgage loans for loan applicants are only provided to individual residents with valid identity documents in China, and loan applicants must open an account at the CCB Savings Office where they apply for loans.
Scope of collateral
The collateral for small mortgage loans is limited to the lump-sum time deposit certificate issued by the lender at the CCB savings office where the loan is applied, or the deposit-bearing time deposit book, as well as the personal large transferable deposit certificate and foreign currency time deposit certificate.
Application conditions
1. I opened an account in the savings office of China Construction Bank where I applied for a loan, and I have a fixed deposit in my name that is sufficient to pay the loan amount.
2. Take the time deposit certificate sufficient to repay the loan amount as the loan collateral.
3. Guarantee to repay the loan principal and interest on schedule.
4. Provide valid identity documents of the lender.
Term, amount and interest rate of the loan
1, loan term
The term of the certificate of deposit is specifically determined, but it shall not exceed one year at the longest and shall not exceed the maturity date of the mortgage certificate of deposit. If multiple certificates of deposit are used as collateral, the loan term can be determined according to the shortest time from the maturity date, and no extension is needed.
2. Loan amount
The starting point of each small mortgage loan is 65,438+0,000 yuan, and the maximum is 65,438+0,000 yuan, and the amount does not exceed 70% of the denomination of the mortgage deposit certificate (foreign currency deposits are converted into RMB according to the foreign exchange (paper money) purchase price announced on the same day).
3. Loan interest rate
According to the same level of working capital loan interest rate, it can rise appropriately, with a maximum of 10%. If it is less than six months, it shall be determined by the six-month loan interest rate, and the interest shall be paid off with the principal. Repayment in advance is calculated according to the original interest rate and the actual borrowing days. If the interest rate of working capital loan is adjusted, the loan interest rate will remain unchanged during the loan period. In case of overdue, if the overdue period is within 1 month (including 1 month), interest will be charged at the daily interest rate of four ten thousandths from the date of overdue; When it exceeds 1 month, the bank has the right to apply for mortgage deposit certificates to offset the loan principal and interest.
Repayment method
The lender may repay the loan in cash or by transfer at one time or in installments, or pay off the loan in advance. The loan interest of a small mortgage loan is paid, that is, the lender collects the loan interest when paying off the loan. After paying off the principal and interest, the lender will recover the mortgaged deposit receipt with the Collateral Custody Receipt and identity documents.
other
1. During the deposit period, the mortgage deposit certificate still bears interest at the deposit rate at the time of opening the account. Interest is suspended during the mortgage period of time deposit certificates with deposit principal and interest, and the interest owed is calculated and paid when the loan is repaid.
2. If the lender accidentally loses the "collateral custody receipt", it may apply to the savings office that originally handled the small mortgage loan for reporting the loss.