What are the conditions for a bank loan of 6,543,800 yuan, and what are the procedures and conditions for a bank loan? The loan conditions of Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank and Rural Commercial Bank are as follows:

1. China citizens who need a bank loan and have a fixed residence, preferably have real estate under their names, permanent residence or valid residence certificate, and are over 18 and under 65 years old (inclusive) and have full capacity for civil conduct.

2 have a legitimate occupation and stable income, and have the ability to repay the loan principal and interest on schedule.

3. Have a good credit record and willingness to repay, and there shall be no overdue default.

4. It can provide legal, effective and reliable guarantees recognized by banks.

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.

6. Open a personal settlement account in a loan bank.

7. Other conditions stipulated by the bank.

If you apply for mortgage, pledge or secured loan, you need to provide relevant asset certificates. Some banks also require valid assets as collateral, and you must go through mortgage registration and insurance procedures.

When everyone is short of money, I use no less than 10 for my own loan products. Generally speaking, for reasons such as ups and downs, I still recommend a small amount of funds (formerly known as Baidu Finance): 1. Compared with the invitation system of loans and micro-loans, I can apply for funds on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, there is a formal platform, don't worry about routines;

Generally speaking, regular product review is relatively strict. Although it is easy to use, it is difficult to use, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Since I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.

Just remember to use the flowers that won the quota on the same day, otherwise the quota may be withdrawn. Remember, some friends have encountered this situation before.

Xiaoman-Money spent (second batch) Click online measurement.

There is another one: the 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.

360 IOUs for the maximum loan of 200,000 yuan!

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Third, "New One Loan" is an unsecured RMB loan business owned or issued by Ping An Bank for other legitimate consumption or business purposes except house purchase. The information is complete, and the loan will be released within 1-3 working days.

The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months and 36 months, and the excellent occupation can last for 48 months.

Ping An Xin Yi Dai Click Online Measurement

The above contents are for reference only, and we don't make any loan suggestions. Online lending is risky, so choose carefully!

The bank loan is 6,543,800 yuan, what is the interest?

The regular bank loan is 65438+100000 yuan, and the annual interest is 4350 yuan.

The higher the loan interest rate, the more interest the borrower needs to pay. If the bank loan interest rate is calculated according to the benchmark interest rate, then the annual interest of this loan is1000004.35%1= 4350 yuan.

The loan interest rate of commercial banks is based on the benchmark interest rate of the central bank, and fluctuates to a certain extent on this basis. Different banks, different regions and different loan products will have different floating rates of interest rates.

For example, at present, the average bank interest is 6%, and the loan is 654.38+10,000 yuan a year.

100000 yuan times 0.006=600 yuan and 600 yuan equals 10000 yuan 1 month's interest.

600 yuan times 12 months =7200 yuan, and 7200 is the interest of 65438+ ten thousand yuan 1 year.

Extended data:

The interest rate of medium and long-term loans (with a term of more than one year) should be fixed at one year. The loan (including all the funds that should be allocated by installments within one year from the effective date of the loan contract) shall bear interest at the legal loan interest rate of the corresponding grade on the effective date of the loan contract, and the interest rate for the next year shall be determined at the legal loan interest rate of the corresponding grade at that time after one year (subject to the payment date of the first installment loan).

Both borrowers and borrowers shall collect or pay interest on schedule in accordance with the loan contract and the relevant interest-bearing provisions of the People's Bank of China. When the extension period of the loan plus the original term reaches the new interest rate grade, it will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.

What are the conditions for a bank loan of 654.38 million yuan?

Conditions for lending more than 654.38 million yuan to a bank:

1, borrower and family situation. Generally, the borrower should open an account with the loan bank. Provide the borrower's work unit, position and income. Explain that your spouse or family's high income can make the bank think that you have strong repayment ability.

2. Loan application. The loan amount applied for must be commensurate with the borrower's family income. In the case of equal monthly repayment, attention should be paid to the matching of loan term and loan amount, so that the ratio of monthly repayment amount to the monthly income of the borrower or his family is reasonable.

3. Third-party guarantee (i.e. guarantor). If a natural person guarantees, it is necessary to provide the guarantor's certificate, household registration, monthly income, family loan and guarantee, and the relationship with the borrower. If it is guaranteed by a legal person, provide a copy of the legal person's business license, business scope, financial status, contact address and relationship with the borrower.

4. Collateral or pledge. For collateral, it is necessary to provide proof of ownership of the collateral and the assessed value of the collateral; If the collateral is jointly owned by others, the power of attorney of the co-owner shall be provided. For collateral, it must be under the control of the lending bank.

Extended data:

According to different classification standards, there are various types of bank loans. For example:

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the different purposes or objects of loans, they can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;

4. According to different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the different loan amount, it can be divided into wholesale loans and retail loans.

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans.

In addition to certificates of deposit, personal loans can also be easily obtained through certificates such as treasury bills and insurance company policies. 80% of the amount of the deposit certificate can be loaned by the deposit certificate; 90% loanable national debt of national debt denomination; The amount of the policy issued by an insurance company shall not exceed 80% of the cash value of the policy at that time.

20 1 5 The latest benchmark interest rate table for bank deposits and loans implemented on June 24th: 4.35% for six-month (inclusive) period, 4.75% for1year (inclusive) period and 4.9% for five-year (inclusive) period. Remarks: The benchmark interest rate is set by the central bank, and the bank loan interest rate can fluctuate on this basis.