"Direct customer" personal loans mainly include preferential housing prices, less taxes, insurance, lawyers, one-stop notarization services, various fee reductions and concessions, and more flexible guarantee methods.

The so-called "direct customer-style" personal loan takes bank outlets and wealth management centers as the main channels for sales and services. Bank account managers directly market customers and accept their loan needs according to the principle of "know your customers and be familiar with them". Its characteristics are that when buying a house, you can enjoy a one-time payment discount, choose the nearest outlet, and choose the loan bank completely independently, without geographical restrictions. At the same time, the "direct customer" marketing model can effectively "fake mortgage" and improve the risk prevention ability [1]. The channels for obtaining loans mainly include the following categories:

1 information flow class

Our common major media, such as WeChat Friends Circle, Guangdiantong, Baidu, Tik Tok, Today Headlines, etc., are mainly put into the hands of customers in need in the form of information flow, with real-time resources, reliable sources and relatively good quality. The only certainty is that the price cost may be higher.

Class 2 aircraft carrier

Mainly from the three major operators, many similar resources will be found based on large databases. The price is cheaper.

3 loan APP or loan super

Mainly from a loan supermarket or APP, the quality of such data is relatively poor, and the price is higher than the information flow.

At present, most lending institutions or intermediaries use information flow advertisements to get customers, and the continuous blood supply of quality and resources is their greatest guarantee!

How to borrow a personal loan from a bank and show you the personal loan from the bank.

According to the needs of different users, banks have launched many loan products. For example, many users have begun to pay attention to bank personal loans, which can provide more professional loan services for individual users. I believe many users want to know how to get personal loans from banks as soon as possible. Here is a detailed introduction to the bank's personal loan, so that everyone can easily apply for a loan and the borrower will no longer worry about the loan.

How to borrow personal loans from banks?

1. Prepare relevant procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also required). Customers with mortgage loans need to provide property certificates of collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

2. Apply to the bank: After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.

3. Approval before bank lending: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer.

4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is the customer bank loan interest rate network of mortgage loan, the customer also needs to go to the relevant department to register the mortgage for future inquiry.

5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

Classification of short-term loans

1. Operating revolving loan

Loans obtained from banks or other financial institutions for production and operation. When handling loans, enterprises should submit annual and quarterly loan plans to banks in accordance with relevant regulations. After approval by banks, borrowers in the loan plans can handle loans with loan receipts.

2. Temporary loans

Due to seasonal and temporary objective reasons, the normal capital turnover can not meet the needs, and more than short-term loans are included in production turnover or commodity turnover. Temporary loans are subject to the "one-by-one nuclear loan" method. The loan term is generally 3 to 6 months, used according to the specified purposes and returned according to the accounting period.

Step 3 settle the loan

For bank collection, you can apply for collection and acceptance of settlement loans. The loan amount is usually calculated according to the collection amount and the agreed discount rate, which is roughly equivalent to the cost of selling goods plus prepaid transportation and miscellaneous fees. After the enterprise's payment is recovered, the bank will deduct its loan by itself.

4. Seller's credit

Enterprises whose products are listed in the national plan and whose quality is in the leading position in the whole country apply for loans from banks because of insufficient bonuses for installment sales, production and operation. This kind of loan should be repaid in installments according to the repayment progress, and the term is generally 1 to 2 years.

5. Prepaid deposit loan

Funds borrowed from banks by commercial enterprises for purchasing agricultural and sideline products and issuing advance payment. Such loans are issued according to the varieties stipulated by the state and the approved plans, and special account management is implemented. The longest loan term shall not exceed 1 year.

6. Special reserve loan

Money borrowed from banks by commercial wholesale enterprises approved by the state for reserve commodities. This kind of loan must be earmarked, and the loan period is determined according to the approved reserve period.

7. Discounted bills loan

When bank acceptance bills or commercial acceptance bills have difficulties in operating turnover, the time limit for applying for bill discount loans is generally not more than 3 months. If the current loan amount is generally the face value of the ticket minus the discount interest, then the interest of the discounted loan is the discount interest of the bill, which is deducted by the bank at the time of discount.

How to borrow personal loans from banks? To sum up, I'd like to introduce it to you. Regarding the process of bank personal loan, borrowers need to prepare relevant procedures and submit their own certification materials. Before applying for a loan, the borrower also needs to choose the corresponding loan method according to his actual needs. Now many banks have introduced different loan methods, which can fully meet the borrower's demand for loans and easily solve people's loan problems.

What materials do I need to apply for a personal business loan?

Conditions for individuals to apply for commercial loans:

1. Age 18 and below 60;

2. Have a fixed residence or a valid residence certificate;

3. The borrower and its business entity have no record of non-performing loans;

4. Have a stable income and the ability to repay principal and interest. Personal business loan application materials: ID card, business license issued by the administrative department for industry and commerce, organization code, tax registration certificate, etc.

According to different loan purposes, personal business loans can be divided into personal business special loans and personal business working capital loans (hereinafter referred to as working capital loans).

1. Special loan for self-employment: Special loan for self-employment refers to loans granted by banks to individuals for purchasing or leasing commercial houses and machinery and equipment, and the main repayment source is the cash flow generated by them. Personal business loans mainly include personal commercial housing loans (hereinafter referred to as commercial housing loans) and personal business equipment loans (hereinafter referred to as equipment loans). Commercial housing loans refer to loans provided by banks to individuals to purchase or lease commercial housing, such as personal commercial housing loans from China Bank and personal shop loans from Bank of Communications. At present, commercial housing loans are mainly used for shops (places where goods are sold or services are provided). Equipment loans refer to loans granted by banks to individuals to purchase or lease equipment needed for production and business activities, such as personal construction machinery mortgage loans of China Everbright Bank.

2. Working capital loans: Working capital loans refer to loans issued by banks to individuals engaged in legitimate production and operation to meet the working capital needs of personally controlled enterprises (including individual industrial and commercial households). Working capital loans are divided into secured working capital loans and unsecured working capital loans according to the conditions of unsecured loans. Guaranteed working capital loans refer to loans granted by banks to individuals to meet the working capital needs of production and operation, such as personal investment and operation loans of China Bank and personal employment loans of China Construction Bank. Unsecured working capital loan refers to the credit loan issued by banks to individuals without guarantee to meet the working capital needs of production and operation.