Personal advice:
Bank of China Sui Xin Zhi Neng Loan is a personal consumption credit loan product opened to individuals by Bank of China. It has very strict requirements for personal credit information, and it cannot be authorized normally if the credit information is tainted. I learned from relevant reports that at present, the maximum application amount of Suizhixi loan is 300,000, and the longest service life is one year. There are many materials to be submitted when applying, including ID card, household registration book, marriage certificate and income proof materials, and running bills for nearly half a year to prove your repayment ability. There are also very strict requirements on the age of loan application, and you can apply only when you are 65,438+08 ~ 65 years old.
Extended data:
Loan notes:
First, shop around and choose a bank carefully.
At present, the competition between banks is very fierce. In order to gain more market share, banks will adjust the loan interest rate according to the loan interest rate range stipulated by the state. Therefore, when making loans, the fund demanders should "shop around" and choose low-interest banks to lend.
For example, the same loan is 654.38 million yuan, and the loan period is one year. One is to implement the benchmark interest rate, and the other is to implement the interest rate that rises by 20%. If you choose the latter, you will pay 6,543,800 yuan more than one year.
Second, a reasonable plan selection period
For those who need funds, it takes a long time to use them. Therefore, in order to avoid paying more interest, when making a bank loan, we should plan the loan term reasonably. It is also a loan. The longer the loan grade is chosen, the higher the interest rate will be. In other words, the longer the loan term, the different interest will be paid even if it is repaid on the same day.
For example, the current short-term loan interest rate is divided into two grades: half a year and one year. It is stipulated that the half-year grade interest rate shall be implemented within half a year of the loan term, and the one-year grade interest rate shall be implemented after half a year and less than one year. If the loan term of the capital demander is 7 months, although it is only over the half-year time point of 1 month, according to the current loan interest-bearing regulations, only one-year loan interest rate can be implemented, which invisibly increases the loan interest burden of the capital demander.