First of all, loans to banks must be based on these standards.
1. China person with full capacity for civil conduct.
Full capacity for civil conduct means that China citizens can conduct all civil litigation activities according to their personal behavior. China citizens who have reached the age of 18 and are physically and mentally healthy are persons with full capacity for civil conduct. Considering the present situation of nine-year basic education rules and regulations in China, China citizens whose legal age is 16 but under 18.
2. Have the ability to repay the loan with equal principal and interest on time.
Have the ability to repay the principal and interest on time, that is, the borrower has a stable position and a stable income and can repay the principal and interest on time. For example, you can feel that you have the ability to work, a fixed monthly income, a surplus of more than 10 thousand, and then less than 5 thousand a month.
3. Excellent personal credit record and repayment intention.
Personal credit record and repayment intention are excellent, and there is no bad personal credit record. Maintaining a stable personal credit record can improve the convenience and probability of obtaining financial support and equity financing services. Establish your own reputation and strive to maintain a stable personal credit record.
4. The monthly income is more than 2000 yuan.
The borrower has a stable post or other second occupation, but his income is stable, with an average monthly income of more than 2,000 yuan. Generally, as long as you have a good job and income, you can apply for more than 2,000 a month. The credit limit of a loan is generally 5-8 times the monthly income. In other words, if the monthly income is 2000 yuan, you can borrow 1 000 yuan.
5. Ensure that no bad records are left in financial institutions.
There is "no bad record" in the recruitment standard, that is, it is blacklisted by commercial banks. If there is a problem with professional ethics, it is by no means that the examination content is not up to standard. In other words, as long as you have not been dismissed by other financial institutions before, then there is no bad record.
Second, the steps of bank loan application?
For credit loans from financial institutions, in fact, the application process of each financial institution is similar, which can be roughly divided into seven steps: first, the lender clearly applies for loans from financial institutions and submits the materials needed for loans; Step two, financial institutions review loans and conduct verification and audit to see if they meet the loan requirements; Step 3: After reviewing the foundation, the lender signs a loan contract with the financial institution. This contract includes guarantee contract, loan contract, etc. Step 4, apply for mortgage registration after signing the contract; Fifth, financial institutions lend money to lenders; Step 6, the lender repays the loan in full and on time; Step 7: After the loan is paid off, go through the mortgage cancellation procedures.
The above is a detailed introduction to the relevant issues of what standards are needed for bank loans. Based on this knowledge, I firmly believe that in an emergency, you can handle bank loans in an orderly way, and you can get the account immediately and solve the difficulties. Relatively speaking, the loan interest required for bank loans is lower, which is more suitable for you to make extra-large loans, and the repayment method of loans is also very convenient. At this time, you should pay attention to the personal credit report under normal circumstances to prevent the loan from being unsuccessful because of personal credit problems.
Related question and answer: legal analysis of bank loan process: 1. Borrowers apply for loans: When filling in the loan application form, basic information such as loan purpose, loan amount, personal property, etc. should be stated. 2. Submit loan information 3. The bank conducts a loan survey. The relevant procedures shall be evaluated by an evaluation agency recognized by the bank, and a value evaluation report shall be issued and submitted to the bank for approval. 5. After approval, sign the contract in person.
Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.
Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.
Related questions and answers: How do ordinary people borrow money from banks? Money is not everything, but you can't do anything without it. People are poor, so borrowing money from relatives and friends is the only way. However, it is not so easy to find someone to borrow money, and it is even harder to keep your self-esteem from being hit.
Some netizens pointed out the key points: everyone has no spare money in their hands these days, and those who have spare money will also take it to manage their finances. I won't lend it to ordinary friends unless my friendship is really deep. Therefore, the most dignified way to borrow money should be to make full use of your own credit assets and go to formal institutions for loan turnover.
When it comes to loans, most people are ignorant. What are the terms of the loan? What is the process of loan? So today Wang Zi teaches you how ordinary people borrow money from banks.
Wang Zi will introduce it from two points:
What are the terms of the loan?
There are two ways for ordinary people to borrow money from banks: credit loans and mortgage loans.
Let's start with a loan.
Basic conditions and information of credit loan:
Identification certificate: ID card, household registration book, work certificate: provident fund, social security, individual tax, work certificate with official seal of the unit, income certificate: credit information of provident fund, social security, individual tax and punch card salary; You can't be tired three times in two years.
I. Classification according to application conditions
1. mortgage: nationwide monthly mortgage (mortgage or mortgaged house), with a quota of 300,000-500,000, and loans can be made within 1 month, and the loanable amount is 20- 100 times of the monthly mortgage.
2. Policy category: the amount is 300,000-500,000, the applicant is the insured, and the payment can be made three times after two years, and the loan policy is paid 25-30 times a year.
3. Social security accumulation fund: the amount is 3- 1 10,000, and it is paid into the personal accumulation fund of the current unit in 480 yuan/month, which is 2.5-400 times of the monthly contribution.
4. Punch salary category: the amount is 200,000-500,000, and you can apply for it after working in your current unit for 3 months. If the monthly after-tax income is above 3,500, the loanable amount 15-50 times the punching salary.
5. Housing value category: the amount is 300,000-700,000 yuan (20% of the assessed value). As long as there is a full house in Beijing, "two limited houses, cost houses, affordable housing for less than five years, and center delivery" is a pure credit unsecured loan of 300,000-700,000 yuan.
6. Super-sub-loan: excellent customers such as state-owned enterprises and institutions can apply with ID card and work certificate, with a loan amount of 500,000-300,000 (the loan amount is calculated according to the income from work certificate).
Note: You can apply if you meet one of the above application conditions.
Second, according to the repayment method.
Interest before capital.
Conditions: you can apply if you have worked in the current company for more than half a year (the provident fund has reached one year).
Ok: 50- 1 ten thousand yuan
Interest rate: annualized 5.225%-7%
Duration: 1/2/3 years.
Repayment method: pay interest first, then principal, so as to borrow and repay the loan.
Advantages: the products with interest first and capital later have flexible capital use, low interest cost, low repayment pressure and high capital utilization rate.
2. Equal principal and interest
Conditions: At present, the company can work for more than three months.
Amount: 300,000 to 500,000.
Interest rate: from 0.35% per month.
Term: March 6, 65438+February, 65438+August 24, 65438/June 48, 60.
Repayment method: equal principal and interest
Advantages: Most credit products with equal principal and interest are in the form of credit cards. The advantage is that there is no debt and the application threshold is low, which does not affect the loan approval or mortgage approval of other banks.
Housing mortgage loan:
First, mortgage consumer loans:
Identification: ID card, household registration book, marriage certificate Collateral: real estate license, original house purchase contract and invoice income certificate: husband and wife bank account running water.
2. Mortgage business (one for two)
Personal data: ID card, household registration book, marriage certificate; Collateral: real estate license, original house purchase contract or invoice; Proof of financial resources: personal bank account is flowing (high rating is not required); Business license, organization code certificate, tax registration certificate, license (if any) and articles of association; Certificate of business place, upstream and downstream contracts, company bank journal.
What is the process of loan?
1. Establish a credit relationship
To apply for a bank loan, first of all, an enterprise must submit an Application Form for Establishing a Credit Relationship in duplicate when applying for establishing a credit relationship. After receiving the application submitted by the enterprise, the bank shall appoint a loan officer to investigate.
apply for loan
Enterprises that have established credit relations may apply for bank loans according to the reasonable liquidity demand in the process of production and operation. Take an industrial production enterprise as an example. When applying for a loan, an application for a working capital loan from an industrial production enterprise must be submitted.
3. Loan review
4. Sign a loan contract
The parties reached an agreement on the main terms of the loan contract after consultation according to law. An application is made by the borrower, and a loan contract can be signed after the lender has approved it.
5. Issue bank loans
Then let's compare their respective advantages and disadvantages:
The advantage of credit loan is that the loan threshold is low and there is no need for mortgage and guarantee. The disadvantage is that the utilization rate of loan funds is low, and the general repayment method is equal principal and interest monthly repayment.
The advantage of mortgage loan is that the loan life is long, up to 30 years, the loan interest is low, and it can be operated at the lowest benchmark interest rate. However, its shortcomings are also obvious. For example, the loan processing procedures are complicated, and it needs to be evaluated, notarized and mortgaged. If you get married, you need the signature of both husband and wife? In addition, the premise of the loan is that there must be collateral with certain value.