Simple. Conditions for banks to handle 300,000-500,000 business:
Must hold a valid personal identity document, household registration certificate or long-term residence certificate; Home address, home fixed telephone number or long-term effective contact telephone number;
The applicant has a stable income, the ability to repay the principal and interest, and no bad credit record; There must be liquidity or deposit of not less than 20% of the loan amount;
/kloc-the actual age of China citizens and borrowers with full capacity for civil conduct and the loan application period shall not exceed 70 years old.
Extended data:
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation.
The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.
The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.
The advantages of short-term loans are relatively low interest rates and relatively stable capital supply and repayment. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.
The latest benchmark interest rate table for bank deposits and loans implemented on June 24th, 20 15: 4.35% for six months, 4.75% for one year and 4.9% for five years. Remarks: The benchmark interest rate is set by the central bank, and the bank loan interest rate can fluctuate on this basis.
How much is the interest of credit card loan 100000? Is it difficult to get a bank loan?
Credit card has always been one of the main businesses of banks. Many bank users will be recommended by the bank to apply for a credit card when handling products such as savings. Cardholders can not only use credit cards for spending, but also apply for additional credit card loan products. How much is the interest of credit card loan 100000? Is it difficult to get a bank loan?
How much is the interest of credit card loan 100000?
Many cardholders think that the interest on credit card loans is the same as the interest on credit card installment, but it is actually different.
Most banks have credit card loan products, such as e-loan of China Merchants Bank. Theoretically, the credit card limit and the credit card loan limit do not conflict and can be owned at the same time. The higher the cardholder's credit card limit, the more credit card loans he can use.
The annual interest rate of credit card is generally around 18%, and the annual interest rate of credit card loan can only be absolute after the bank comprehensively evaluates the cardholder. In most cases, it fluctuates between 15% and 20%.
Suppose the borrower applies for a credit card loan of 6,543,800 yuan, then calculate that the annual loan interest is about 654.38+ 0.500 yuan-2,000 yuan. If the credit card is in stages, the rates will be different in different stages.
Is it difficult to get a bank loan?
It is not difficult to apply for a loan of100000 in the bank. The borrower needs to have stable income and loan repayment ability, liquidity or deposit of not less than 20% of the loan amount, good credit information and no overdue records. In addition, you need to have a local residence certificate. It is best to apply for a loan over the age of 20, and college students can't apply.
The above is the related content sharing of "What is the annual interest of credit card loan of 654.38+10,000 yuan?" I hope it will help everyone!
How to borrow a bank loan of 65438+ 10,000 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 from the bank, you can apply for a credit loan directly if your customer has a good reputation. The maximum credit loan amount can reach 200,000 to 300,000, so it is not a problem to borrow100,000. As long as there is no bad credit record in the customer's personal credit report and enough economic income information can be provided to prove that the customer 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 get a one-time loan of100,000. Customers with certain assets in their names can also choose to apply for a mortgage loan and use the assets in their names as collateral, so that the loan amount can be higher than pure credit loans. Or the customer can find a former town contact with good credit to guarantee his loan, so as to improve the chances of loan success.
In fact, in addition to bank loans, customers can also go to other licensed consumer financial institutions for loans. If a loan can't be less than100,000 yuan, it is also feasible to make multiple loans. Each loan can be tens of thousands, and finally100000 can be made up. Of course, in any case, you must remember to repay on time.
What are the personal conditions of rural commercial banks? Is it easy to get a rural commercial loan of 654.38+ 10,000 yuan?
Many borrowers don't know whether they meet the bank's loan application conditions before they go to the bank to apply for a loan. Although the basic conditions for bank loans are not high, many things are unknown when applying for loans. With the borrower's consultation, what are the personal conditions of rural commercial banks? Is it easy to get a rural commercial loan of 654.38+ 10,000 yuan?
What are the personal conditions of rural commercial banks?
If you want to apply for an individual in a rural commercial bank, if the loan application amount does not exceed 654.38+10,000 yuan, then the borrower needs to have a fixed residence in a local characteristic town, or a fixed asset business activity place, and has the ability to completely solve the civil legal behavior management; Have a proper occupation, stable income and the ability to repay loans on time; Have a good credit record.
After meeting the above basic conditions, the borrower can apply for an individual at the rural commercial bank. However, when applying for a loan, the borrower should pay attention to the bank's salary to ensure that the loan can be recovered on time in the future. It is suggested that borrowers can increase their monthly income relatively when looking for a company to issue an income certificate, but it is not easy to exaggerate.
Different products, repayment time and repayment methods will affect the borrower's loan approval results. It is suggested that borrowers can consult the customer service of rural commercial banks and talk about their current situation before applying for loans, and then the customer service can give some pertinent opinions.
Is it easy to get a rural commercial loan of 654.38+ 10,000 yuan?
The loan amount of 65,438+10,000 yuan is a large loan, so it is difficult for the borrower to apply for personal credit only. It will be easier if you have certain assets or people who are engaged in stable jobs such as civil servants and doctors with good income to guarantee the borrower.
The above is the related content sharing of "Personal Conditions of Rural Commercial Banks", and I hope it will help everyone!