School teachers will get preferential policies when applying for loans. Their personal credit is good, and the debt ratio does not exceed 70%. They can apply for a three-year repayment, with interest paid first and principal paid later. The interest rate is within 6% per year, and the monthly interest is 600, and the principal will be repaid at maturity.
If the loan of RMB 6,543,800+is used for consumption, it is suggested to choose a credit loan to repay the principal and interest, that is, the principal and interest of each loan will be repaid together, and the principal and interest will be repaid when due. The term is generally three years, and individual banks can choose a longer term. Teachers in public schools are more likely to get loans, with a batch of 65,438+10,000 yuan per second. It is more appropriate to choose the repayment method of three-year equal principal and interest, such as 3000 yuan per month.
The most basic conditions for individuals to apply for bank loans are as follows:
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.
2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.
3. Have a good credit record and willingness to repay, and no bad credit record.
4. Make clear the purpose of the loan, which is in compliance with relevant regulations.
The main customers of bank personal credit loans are office workers, small business owners and individual industrial and commercial households. Age requirements: 22-60 years old for men and 22-55 years old for women. The maximum amount of personal credit loan is 300,000 yuan in general banks, 500- 1 10,000 yuan in a few banks, and the loan period is 1-5 years (the longest in some banks is 8 years, etc.). )
Credit information requirements: the credit information is good, there are not many inquiries in the last three months, the debt is not too high, there is no current overdue, there is no continuous overdue in the last two years, and there is no major overdue.