1. Credit loan: Credit loan is an unsecured and unsecured loan, with an amount of 654.38+00-300,000 yuan in general and 500-654.38+00,000 yuan in a few cases, and the loan term is generally 3 to 5 years. There are two repayment methods: equal principal and interest and interest before principal. The entry requirements are also varied. The following are the access conditions for credit loans:
(1) punch-in salary (the salary has been flowing in the past year);
(2) social security and provident fund (just paid for more than 3 months);
(3) Commercial insurance policy (which can be paid for more than 2 times in China);
(4) State-mortgaged houses (more than half a year);
(5) Beijing whole house value loan (20% of the house value);
(6) Business license+tap water;
(7) Microfinance population (10 times the quota);
(8) Advantages of an ID card for Beijingers: If there is no credit information, you can pay interest first, and you can do it for up to 5 years. Simple information, fast loan, suitable for office workers, or friends who don't have enough down payment can consider credit loans.
Second, mortgage loan: mortgage loan is a kind of loan with things as collateral, usually houses and cars, with a high amount and a long time. Housing mortgage loans are divided into commercial mortgage loans and consumer mortgage loans. Basic information of mortgage loan:
(1) Beijing business owners (including individual industrial and commercial households) must have a business license of 2 years;
(2) There is no age requirement, as long as it can be met, it can be done in Beijing;
(3) Borrower's age: 18 to 64 years old;
(4) Credit investigation: within two years, the single overdue period shall not exceed 90 days, and the accumulated overdue or arrears of interest within 30 days shall not exceed 6 times.
Third, the enterprise credit can't be overdue and there can't be any bad situation. Mortgage consumer loan requirements (1) Real punch-in salary, responsibility and good credit reporting requirements (2) Borrower's age: 18-65 weeks (3) Personal housing under the name of the borrower's family and immediate family members (including spouse), and commercial housing with clear property rights under the name of the borrower's family and immediate family members. (4) The mortgage ratio is 70%, and the age of the house over 40 square meters cannot exceed 35 years (communication) (5) If the monthly income of the borrower's family is below 20,000, the monthly repayment amount of the loan application shall be controlled below 50%. (6) If the monthly income of the borrower's family is above 20,000, the monthly repayment amount of the loan application shall be controlled below 70%. (7) bank payroll details, personal tax payment certificate, provident fund payment certificate, social security payment certificate, materials with stable income sources, asset income and proof of repayment ability.
Advantages: the interest rate is low and the service life is long. As the actual controller and newly-increased shareholder, it can lend interest-free to a third-party personal account, regardless of the company's running preparation materials: (1) ID card, household registration book, marriage certificate, real estate license, credit investigation, running water (2) business license, articles of association and account opening permit of the borrower and spouse.