Service object
1. With
2. Good credit status.
3 the ability to repay the principal and interest
4. Meet other conditions stipulated by the Bank of Communications.
Bidding conditions
Just prepare the following basic documents or materials:
1, identity certificate, marriage certificate (such as resident identity card, household registration book, marriage certificate, single certificate, etc.). );
2. Proof of loan purpose (such as transaction contract and payment)
3 proof of income (such as income proof, payroll, tax bill, etc.). );
4. Other relevant materials.
Second, how to handle personal consumption loans
Generally speaking, there are three main kinds of people.
1 civil servants
2. Staff of public institutions (such as teachers)
3 private owners
Need information
The difference between the first two categories is not too big. You need ID card, income certificate, marriage certificate, spouse ID card, household registration book, mortgage property certificate, co-owner commitment letter and consumption contract. For example, to decorate a house with it, you need renovation contract or something.
Private owners require more business licenses, tax registration certificates, a set of account opening materials, enterprise statements and the above materials.
Three ways of personal consumption loan
Personal consumption loans are being accepted by more and more people, especially young people, who can realize their wishes through personal consumption loans. So what are the ways to apply for personal consumption loans now?
Bank 1
Banks are the way most people apply for consumer loans. Banks can generally apply for consumer loans for decoration, car purchase, study abroad and purchase of large consumer goods.
2. Consumer finance companies
Consumer finance companies refer to non-bank financial institutions that provide loans for the purpose of consumption for China residents. Consumer finance companies can provide loans for personal consumption expenses such as home appliances, tourism, wedding, education and decoration, but they cannot provide housing loans;
3. credit card installment payment
At present, credit cards basically have installment function, and individuals can apply for installment repayment after spending by credit card.
Handling process of personal consumption loans of banks or consumer finance companies:
(1) The borrower shall fill in the application form at the loan handling outlet with the information required by the lender (generally including ID card, real estate license, marriage certificate, etc.). ), and the bank checks the borrower's qualifications to confirm whether the borrower meets the application conditions;
(2) After the application is approved, sign a loan contract with the bank or consumer finance company;
(3) The borrower can withdraw the loan at any time within the validity period and amount agreed in the contract.
(4) After the loan expires, the borrower shall repay the loan principal and interest as agreed. After paying off the principal and interest, the loan contract is automatically terminated.
4. Advantages and disadvantages of three ways of personal consumption loans.
Banks have higher requirements for borrowers' qualifications, complicated procedures, strict approval of quotas, and generally lower quotas. However, the interest rate of consumer loans provided by banks is low, and there is no fraud, so don't worry about falling into the pit;
Consumer finance companies have lower qualifications for borrowers, higher loan quotas and, of course, higher interest rates. In addition, consumer finance companies in the market are mixed, and some of them are still issued in the name of consumer loans. Borrowers need to be carefully screened to avoid falling into the pit;
Credit card installment is the simplest way of consumer loans. You can apply for installment repayment after swiping your card. However, the interest rate of credit card installment is slightly higher than the interest rate of bank consumer loans, and there may be other fees such as handling fees.