Hello, I'm glad to answer your question.
It is quite complicated to say that the loan is complicated. If it is simply classified, it can be divided into mortgage loans, mortgage loans, mortgage loans and mortgage loans.
Most banks accept more than 200,000 mortgages, and the more the better. There are also a few small banks that make small credit loans from time to time, but the requirements are quite demanding. Tens of thousands of loans are generally issued by finance companies. Of course, these financial companies have loose conditions and bear greater risks, and the interest rate is naturally higher than that of banks.
What information do I need to prepare now? This is everyone's concern. In fact, the information is relatively simple, as follows:
1, ID card
2. Work certificate
3. Proof of address (real estate license or water and electricity invoice with address)
4. Business license provided by the business owner
5. Bank flow in the past six months.
We all know the information we need to prepare, right? So what kind of procedure is also very simple.
1, fill in the application
Step 2 Submit information
Step 3 check the information
4. Loan signing.
The above is what I know, I hope it will help you, and applying for a loan online is risky, I hope you can be cautious.
My (Rongyibao) credit company is very formal and accepts Suzhou (including Zhangjiagang, Kunshan, Changshu, Taicang and Wujiang).
Not sure yet, please consult: (registered name)!
Which loan company in Kunshan is better?
In Kunshan Loan Company, Ping An Easy Loan is better.
Suzhou Ping An Easy Loan is a new mortgage-free product launched by China Ping An, and it is a credit guarantee insurance product for ordinary residents in Suzhou. As long as it is approved, the bank can issue it (10000- 15000) without mortgage or guarantee, with simple procedures, flexible time limit and quick approval.
Suzhou Ping An Easy Loan Main Features:
65,438+00,000-65,438+05,000, mortgage-free, guarantee-free, fast loan, 65,438+0-5 working days (depending on customer information integrity and professional status). The loan term is divided into 12 and 24 installments (one installment per month).
Conditions for handling Suzhou Ping An Easy Loan: The following conditions are required for handling Suzhou Ping An Easy Loan:
(1) has China nationality (excluding Hong Kong, Macao and Taiwan residents);
(2) Age 2 1-55 years old;
(3) Working or living in Suzhou, having a stable occupation and unlimited household registration;
(4) Having worked in the current unit for 6 months and earning more than 2,000 yuan a month; Private owners need a one-year business license.
Loan application materials:
(1) Copy of ID card;
(2) Work certificate (official seal of the company or financial human resources income certificate issued by the unit);
(3) proof of income (print out your running account for the last three months from the bank-that is, the details of incoming and outgoing accounts);
(4) proof of address (rental contract, with residential water, electricity and electricity bills. If the owner provides a copy of the real estate license, the misappropriation amount is higher). By providing the above four basic materials, the customer can apply for a loan from the cooperative bank after China Ping An has passed the examination, and the customer does not need to provide other guarantees and collateral!
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Advantages of Ping An Easy Loan Company:
1, the application threshold is low. Compared with picky banks, it is much more approachable. Some borrowers with low income or salary in the form of cash payment (which can provide self-help for 3-6 months) can apply for loans directly through small loan companies.
2. The lending speed is fast. The bank's audit process is strict and complicated, while the lending institution is the opposite, and its high efficiency undoubtedly improves the lending speed. So friends who are in urgent need of money can consider applying for loans from such institutions.
3. Lending information will not be included in the credit information system. Although the credit information system is becoming more and more mature, it still needs to be improved. The reason is that all credit transactions between borrowers and lending institutions other than banks will not be recorded in the credit information system, and naturally they will not be reflected in the credit information report. This means that the borrower's debt situation and overdue behavior not only enjoy full "privacy", but also help the borrower to borrow from other institutions again.
Kunshan private lending was released on the same day.
On the same day, private loans in Kunshan refer to personal loans in Kunshan, which can be completed on the day of application. This service is provided by professional financial institutions in Kunshan, providing fast and convenient loan services for Kunshan residents. The advantage of lending on the same day is that the borrower can get the loan in a short time, which saves the time of applying for the loan, thus saving valuable time and resources. In addition, the auditing standards for private lending in Kunshan on that day were relatively loose. The borrower does not need to provide too many materials, but only needs to provide basic information such as ID card and household registration book to complete the loan review.
So much for the introduction of Kunshan Loan Network.