To borrow 65.438 billion yuan from the bank, customers can directly choose to apply for credit loans. If they have certain assets in their names, they can also choose to apply for mortgage loans with assets.
You only need to prepare personal ID card, local valid residence identity certificate (household registration book or temporary residence permit), proof of economic income (such as bank account and payroll) and other materials to apply for a loan at a bank outlet, then get the application form and fill it out, and then submit the completed form together with the information you bring. Note that if it is a mortgage loan, you need to prepare a certificate of ownership of the collateral.
After receiving the customer's loan application, the bank will review it according to the information provided by it and inquire about its credit status (if there is collateral, it will also evaluate the specific value of the collateral). If approved, the customer will be informed to sign the loan contract at the outlet in time, and then the bank will approve the money.
Regarding the conditions that the loan needs to meet, there are mainly the following points:
1. At least 18 years old, with full capacity for civil conduct;
2 have a stable income and the ability to repay the principal and interest of the loan on time;
3. Personal credit is good, and there is no bad record in the credit report.
If it is a mortgage loan, the collateral must have sufficient value space and clear ownership (if it is not owned by individuals, it must obtain the written consent of the property owner).
Will CCB approve the loan of 65438+ 10,000 yuan? Description of loan conditions and interest rate of China Construction Bank
When applying for a loan, most borrowers will give priority to applying for a loan in a bank. Especially when the amount involved is relatively large, going to the bank to apply can ensure that the amount can meet your own needs, and on the other hand, you can pay less interest. Will CCB approve the loan of 65438+ 10,000 yuan? Construction Bank loan conditions and interest rates!
Will CCB approve the loan of 65438+ 10,000 yuan?
No matter which financial institution you are in, the loan amount of100,000 yuan is a relatively large loan. If you want to apply, the threshold is definitely there, but the difficulty is not that great.
According to the official explanation of CCB, to apply for a loan amount exceeding 6,543,800 yuan, the borrower must be 654.38 years old and a resident of Chinese mainland. There is also a proper job and a stable source of income, and it is ok if there is a business place. Personal credit information shall not be tainted, and the debt ratio shall not exceed 50% of personal income.
If the borrower is worried that his loan application will be rejected, he can choose to find a person who meets the requirements of bank loan application to guarantee the loan for himself. If there is a guarantor, the loan amount of 6,543,800 yuan will be easier.
In addition, it is necessary to remind the borrower that after the loan, the borrower cannot use the loan funds to buy a house, stock market, purchase funds, invest, etc. If you are applying for CCB, you can also apply directly on the mobile banking of CCB. If you apply for mobile banking, the system review will be faster and the loan can be completed on the same day.
According to the LPR interest rate, the one-year loan interest rate of CCB is generally at. The interest rate of CCB's five-year loan is about. If the loan of 6,543,800 yuan is repaid within one year, the interest will be between 4,200 yuan and 4,400 yuan. If it is repaid in five years, the interest will be between 5 100 yuan and 5300 yuan.
The above is "Has the CCB loan of 6,543,800+been approved?" I hope I can help you by sharing related content!
Can I borrow 65438+ ten thousand yuan? Yes, these methods can help you!
As we all know, if you apply for a loan from a bank, it is difficult to apply for a relatively large loan amount unless you have special needs. Moreover, banks have high requirements on the qualifications of borrowers, so it is not easy for most users to apply for a loan of 6,543,800 yuan. Can I borrow 65438+ ten thousand yuan? Yes, these methods can help borrowers!
Can I borrow 65438+ ten thousand yuan?
1, secured loan
When people have a high demand for loans, but they have nothing to use as collateral or pledge, they can try to apply for secured loans. Compared with bank credit loans and personal consumption loans, secured loans can often apply for higher quotas. If the borrower wants to borrow 6,543,800 yuan, he can make a secured loan.
The borrower needs to find a qualified person who meets the bank's borrowing needs as his guarantor. In fact, it has also added an insurance for itself. When the capital risk is reduced, the bank will be more generous with the credit line. Of course, if the borrower can't repay the loan, the guarantor needs to bear the repayment responsibility. So now many guarantors are relatives or parents of borrowers.
2. Risk loans
Different banks have different requirements for venture loans, but no matter which bank the borrower applies for, 6,543,800 yuan is not a very high amount. As long as the borrower meets the conditions of venture loan, 6,543,800 yuan+is a relatively easy credit line to apply for.
What needs to be reminded to borrowers is that, according to the regulations, when applying for a venture loan, you need to submit a project description. It also requires borrowers to have fixed business premises and hold business licenses and other qualification certificates.
The above is "Can I borrow 65438+ ten thousand yuan?" I hope I can help you by sharing related content!
I want to borrow 65438+ ten thousand. Where can I get a loan? Try these kinds.
At present, there are many in the market, but some of them are conservative in lending to new users, which may lead to the actual loan of only about 20 thousand yuan. Where can I get a good loan if I need money badly and need a lot of money, such as a one-time loan of 6,543,800 yuan? As long as your comprehensive credit conditions are good, try the following paragraphs, which should solve the problem.
1, ICBC wealth management e-loan
It is a pure credit online loan product launched by China Industrial and Commercial Bank. As long as you have applied for an ICBC credit card and the credit card is in good condition, it is very good to apply for a loan of 6,543,800+million yuan from Rong E, because the loanable amount ranges from 600 yuan to 800,000 yuan, and a loan of 6,543,800+million yuan is nothing to the upper limit of 800,000 yuan.
Step 2 have money to spend
It is a credit platform under Xiaoman Finance. The application threshold is low. You can apply easily with your ID card and bank card. The maximum loan amount is 200,000. It is also a pure credit unsecured online loan. As long as your comprehensive credit is good, a loan of 6,543,800 yuan+10,000 yuan is not a problem.
3.JD.COM gold bars
It is a cash loan service provided by Jingdong Finance. Compared with white bars in JD.COM, the amount of gold bars in JD.COM is generally much higher, with a maximum loan of 200,000 pounds. As long as you often use the JD.COM platform for shopping, the amount applied by new users is usually at least 50,000 pounds.
4360 IOUs
It is a leading lending platform under 360 entities in China, and the loan amount ranges from 50 yuan to 200,000 yuan. As long as you have good credit, good work income and certain repayment ability, it is easy to borrow 6,543,800 yuan. After all, according to the official statistics of 360 IOUs, the average daily borrowing amount is 600 million yuan.
The above is about "I want to borrow 6,543,800 yuan, where can I get a loan?" I hope I can help you.
Has the loan of 65,438,000 yuan from ICBC been approved?
Whether ICBC's loan of 6,543,800 yuan is approved depends on the comprehensive situation of the borrower. If the borrower's personal comprehensive situation is good, ICBC's loan of 654.38 million yuan is easier to pass the examination and approval; If the borrower's personal comprehensive situation is poor, ICBC may refuse the borrower's loan application.
Comprehensive information includes economic status, credit history, liabilities, loan purpose, collateral value (if mortgage loan is needed), material integrity and authenticity, age, etc. Moreover, different ICBC loan products have different requirements for loans, and the approval difficulty is also different.
If the borrower wants to obtain a loan of more than 654.38 million yuan from China Industrial and Commercial Bank, it needs to meet the following conditions:
1. At least 18 years old, with full capacity for civil conduct.
Two, with a valid identity certificate, household registration certificate or valid residence certificate.
3. Have a good credit record, no bad credit record in the personal credit information system of the People's Bank of China, and have the willingness to repay.
Fourth, have a stable income and a stable residence.
Five, the monthly income needs to be greater than or equal to twice the monthly supply.
6. Meet other conditions stipulated by ICBC.
The borrower needs to provide true, effective and complete materials when making a loan, otherwise it will affect the approval of the loan. After all the conditions are met, the borrower can go to ICBC to handle the loan business.
How to borrow a bank loan of 654.38 million yuan?
How to get a bank loan of 654.38 million yuan? How to get a loan of 654.38 million yuan from the bank?
If you want to borrow100000 yuan from the bank, and the customer has a good reputation, you can apply for a credit loan directly. The maximum credit loan amount can reach 200,000 to 300,000 yuan, so the loan100,000 yuan is not a problem. As long as the customer's personal credit report has no bad credit record and can provide enough economic income information to prove that he has the ability to repay the loan principal and interest on time, the loan can often be successfully approved.
Of course, if you think that your credit is generally wide, it is difficult to borrow100000 yuan at one time, then customers with certain assets in their names can also choose to apply for mortgage loans, and use the assets in their names as collateral, so that the loan amount can be higher than pure credit loans. Or customers can find a contact with good reputation in the town to guarantee their loans, which can improve the chances of successful loans.
In fact, in addition to going to the bank for loans, customers can also go to other licensed consumer financial institutions for loans. If a loan cannot be less than100000 yuan, it is also feasible to divide it into multiple loans. Each loan can be tens of thousands, and finally it can be supplemented by100000 yuan. Of course, in any case, you must remember to repay the loan on time.