Is it easy to make financial loans in 221?

Not so good.

according to the feedback from many practitioners, the introduction of the new mortgage policy is prepared by the state to crack down on some real estate speculators. While lowering the interest rate of LPR, and urging income punishment by soft violence, these related policies are all aimed at better controlling the loan industry. In 221, the loan industry is not as good as before.

The real estate market in p>221 highlighted a "turbulence". With the implementation of the new mortgage policy and the reduction of LPR interest rate, many users have said that it is more difficult to apply for a mortgage in 221.

because there are relevant regulations in the new mortgage policy that clearly demarcate the proportion of mortgage loans of major banks, in 221, the mortgage loans of many banks will be more tense than before, especially in first-tier cities. Therefore, applying for a mortgage in 221, whether it is the threshold for applying for a loan or the speed of lending, is indeed much more difficult than before.

The loan amount of banks is tight, but the number of people applying for loans is increasing year by year. Under such great pressure, banks can only raise the threshold of applying for loans to screen better customers, which is an inevitable trend. After April 221, many banks even announced the suspension of second-hand housing loan business, and more than four banks in Guangzhou have announced it.

according to the feedback from the users who applied for loans, in addition to the difficulties in applying for loans, in 221, mortgage lending will become particularly difficult. Take the four major banks in Guangzhou and Shenzhen as examples. In the past, after the mortgage was approved, users waited for about one month to receive the loan. When applying for a mortgage in 221, it will take about 2-3 months to receive the loan.

the materials of the real estate license mortgage bank?

1. existing house mortgage. Real estate mortgage contract (signed by both husband and wife at the scene); Housing ownership certificate; Copy of land use right certificate (original inspection); Real estate assessment Report issued by a qualified assessment agency; Bank loan contract; Proof of the relationship between husband and wife and a copy of the identity cards of both parties (the original inspection), and the certificate issued by the civil affairs department where the household registration is located for singles. 2, faster mortgage. Pre-sale contract for house purchase; Signing a house purchase loan contract with the bank; Copy of the receipt of advance payment for house purchase (original inspection); A copy of the marriage certificate of husband and wife (original inspection), and a certificate issued by the civil affairs department where the household registration is located.

is it easy to apply for online loans now?

There are still many loan platforms that are easy to pass.

1. Borrowing money from 36

36 Finance is a pure credit mobile phone loan. In recent years, 36 has started to set foot in the financial industry. The characteristic of this small loan APP is that the next payment is very fast. If you are in urgent need of money, it is right to choose this product. However, the interest rate is high, so you should calculate the cost before applying.

2. Zhaolian Good-Term Loan

Zhaolian Good-Term Loan is a loan platform of Zhaolian Finance, with a loan amount of less than 2, yuan. You don't need to provide mortgage and guarantee, and you can apply if you have a good sesame score. Zhaolian Good Term Loan has the dual background of China Unicom and China Merchants Bank, and its reliability is still very high.

3. JD.COM Gold Bar

is a product with the same name as Jiebai. It is a cash lending service customized by Jingdong Finance for its users, but not everyone has it. Only after passing the system evaluation can they apply for it. If they are not qualified to apply, the page will display "unable to provide services for you".

At present, it is easier for users to apply for loans such as borrowing money, 36 IOUs, rich flowers, comfortable flowers, banyan loans, micro loans, JD.COM gold bars, Gome Easy Cards, installment music, auction loans, repayment money, 58 easy-to-borrow foreign currency pots, sufficient flowers and good-term loans. However, whether the loan platform finally passes the user's loan demand depends on the user's current personal qualifications. The higher the personal qualifications (the higher the education, the more stable the work and income, the better the credit record, and the less the debt), the easier it is for the loan platform to pass the user's loan application, and vice versa.

I was in need of business turnover myself before. I used several products, and the first one I applied for was a small amount of money (formerly Baidu Finance), which was exactly 1W (the maximum platform support was 2W), and the interest rate was also very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them were put forward and divided into 12 periods.

Baidu Finance is a regular licensed consumer finance company, and there is no charge for the application process and the whole process of receipt.

small amount of money-money spent (in batches in seconds) Click online to measure

small amount of money-special attention should be paid to money spent:

1. Cash out as soon as possible after the money has been spent, because the amount may become invalid after a long time.

2. It's best to withdraw the cash in full at present, because I read other people's posts that if you withdraw too little, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection in the withdrawal process, and it is safer to withdraw at least 6%.

after the third installment, you can choose to settle it in advance, and it won't hurt us to pay interest as long as it takes. Let's make sure to bring it up first.

I applied for 36 IOUs for the second time. After all, they are all big platforms, so I applied for them first. The quota is 5.5W, and the interest is almost the same as the money spent.

36 IOUs can borrow up to 2, yuan!

Click on online measurement

There is also a trick to apply for 36. After simply filling in the information at the beginning, the amount that comes out is only a basic amount, such as 5, 1W5, etc. If you feel that the amount is not enough, you can apply for the privileged loan directly without withdrawing cash. This is a large amount. As long as you have the basic amount, the privileged loan will definitely pass and the amount will be greatly increased, and the privileged loan supports 24 installments. My basic quota is 9 yuan, which is 5.5W after upgrading the privileged loan.

is the loan industry hard to do?

the loan industry is not easy to do, which is something that most people know, because there are two kinds of loans, one is loans made by formal financial companies themselves. In this case, the amount of loans involved will be relatively large, the procedures will be cumbersome and it will be difficult for customers to do, and the other is similar to online loans. This kind of existence, if it is that kind of telemarketing, is even more difficult in itself.

Common channels:

1. Alipay borrowing

Borrowing is a credit product owned by Ant Financial, with a big brand, reliable and low interest rate. I've been welcomed and liked by everyone since I went online. Borrowing bears interest on a daily basis and can be repaid with borrowing. There is no separate app, and the entrance is on Alipay. Borrowing is an invitation system, and you can borrow a loan only if you get an invitation to borrow.

however, some users didn't borrow it, mainly because they didn't meet the conditions of borrowing invitation. Xiaobian briefly introduces the most basic conditions for borrowing and opening: sesame scores are above 55 points; At the same time, the real-name authentication was carried out, and the personal ID card was bound to the bank card and mobile phone number.

2. Tencent Micro-loan

Micro-loan is a credit product of Tencent Weizhong Bank. Like borrowing, Micro-loan is also an invitation system. The maximum amount of micro-loan is 3,, and the interest is calculated on a daily basis. Small partners who want to use micro-loan can check whether there is the word "micro-loan to borrow money" through the Jiugongge on the WeChat payment page.

some users find that they can't borrow money when using micro-credit because they don't meet the application for micro-credit and want to use micro-credit quickly, so they can use WeChat to pay more, use its related services, chat with people through WeChat, and have certain fund transactions on WeChat, such as transferring money and issuing red envelopes, so that WeChat can see its economic strength and spending power.

Xiao Bian would like to remind everyone here to pay attention to the prevention of fake sales calls of customer service for micro-loans, because some criminals falsely claim that they are customer service for micro-loans, and they can help to open micro-loans by paying the cost. These are all lies.

3. Du Xiaoman Finance (formerly Baidu Finance) has money to spend

Money to spend is a credit product of Du Xiaoman Finance (formerly Baidu Finance), and the big brands are trustworthy. Unlike borrowing and micro-lending, you can apply for money on your own initiative without official invitation.

If you want to apply for money, you usually need to meet two requirements: first, the borrower must be between 18 and 55 years old and cannot be a college student; Secondly, I need to use my original second-generation ID card and my bank debit card in the application process. Meet the above conditions, you can take the initiative to apply for money to spend. In addition, Youhuahua has also launched credit products for small and micro business owners. If you are a small and micro business owner and need to start or work with capital urgently, you can also borrow money from Youhuahua.

Money can provide users with a maximum loan amount of 2, yuan. Due to the different situation of each user, the amount obtained will be different. The specific amount is subject to the page display. Generally speaking, the better the personal qualification, the higher the loanable amount you can get when you have money to spend.

Relying on the strong technical strength of Xiaoman Finance, the speed of applying for money is very fast. After the loan is approved, the funds can be received in three minutes at the earliest.

that's enough for the introduction of online lending.