A loan platform that self-employed individuals can consider! Just look here!
Regarding self-employed loans, it usually feels difficult to get a loan due to unstable income. There are so many online loans that I don’t know which one to choose. Today I will introduce to you several platforms that self-employed individuals can consider, let’s learn about them together!
Ping An Puhui-Business Loan Ping An Puhui Business Loan is a loan product that self-employed individuals can apply for. No mortgage is required, and friends can guarantee the loan. Application conditions: 1. Chinese citizens aged 21-55 2. The lending bank has lived in the city for ≥ 12 months 3. The business license must be registered for more than 1 year, and there must be public and private banking transactions. 4. The personal credit record is good, with no overdue credit or overdue credit in the past 3 months, overdue credit in the past six months, or overdue credit in the past year. Loan amount: minimum 20,000 yuan, maximum 150,000 yuan. Loan term: 12-36 months optional. Loan monthly interest rate: 1.25 Repayment method: equal principal and interest, early repayment is allowed after 6 months, early repayment fee will be charged
Pudong Development Bank-Wanyongjin Pudong Development Bank Wanyongjin is a self-employed person who can The loan applied for is a pure credit loan without collateral. Application conditions: 1. Males are 25-55 years old, females are 25-50 years old, and have full capacity for civil conduct. 2. For office workers who own a house, they must have worked for half a year with local household registration, and for one and a half years with foreign household registration. 3. Average monthly personal income ≥ 5,000 yuan. 4. Either social security or provident fund, and the continuous payment period is ≥ 6 months. Loan amount: 10,000-300,000 Loan term: 12-36 months optional. Loan monthly interest rate: 0.6 Repayment method: equal principal and interest, early repayment allowed after 1 month, no early repayment fee.
Hua Xia Bank - Yi Da Jin Hua Xia Bank Yi Da Jin is a self-employed loan platform that is easy to disburse. It is also a pure credit loan without any collateral. Application conditions: 1. Aged between 22 and 55 years old. 2. The monthly punch-in salary is more than 5,000, and the provident fund payment base is more than 720. 3. The personal credit record is good, with no overdue credit or overdue credit in the past six months, overdue credit in the past year, or overdue credit in the past 2 years. Loan amount: 10,000-500,000 Loan term: 12 months-36 months Monthly loan interest rate: 0.75 Repayment method: equal principal and interest, early repayment is allowed after 12 months, early repayment is required to collect the remaining principal. How about 3 self-employed people? Loan
The self-employed loan methods are as follows:
1. Mortgage loan
When a self-employed person needs a loan, it is more suitable to use the collateral as collateral to apply for a personal business loan. This loan is issued to qualified applicants in one lump sum and can be recovered in installments, and is suitable for self-employed individuals who need temporary capital flow. The conditions for applying for a personal business loan require that the applicant be between 18 and 60 years old, have a permanent residence or a valid ID card in the place where the loan is applied for, have full civil capacity, have a good personal credit record, have a stable income, and have good qualifications. Ability to repay principal and interest. The most important thing is that the applicant needs to provide valid property as mortgage or pledge as collateral for the loan;
2. Guaranteed loan
If the self-employed can find a suitable guarantor (income If you are stable, have the ability to repay the guarantor, and have a good personal credit record, you can also apply for a guaranteed loan. The success of a secured loan application is not only personal but also closely related to the guarantor;
3. Unsecured loans
Personal unsecured loans include unsecured loans applied to banks. Mortgages and credit cards. If the applicant needs a small amount, he or she can overdraft a credit card in advance, or apply for a personal unsecured loan from a lending institution. Unsecured loans have high requirements for personal credit reporting. Applicants should provide as complete information as possible during the application process to ensure the success of the loan application and increase the loan limit. What are the methods of self-employed loans
Mortgage loans, secured loans, etc.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. How to get a loan as a self-employed person?
Common methods for self-employed individuals to apply for loans:
1. Credit loan
If the self-employed person has a stable income and bank flow, and has a business license, a business license After one year, you can apply for a credit loan. The advantage of a credit loan is that it is fast and convenient. But usually the interest rate is slightly higher than a mortgage loan, and the amount is not particularly high.
2. Mortgage loan:
If the self-employed person can provide collateral as collateral, he can apply for a mortgage loan. Mortgage amounts tend to be higher and interest rates are relatively lower. However, the collateral requires the borrower to have valuable collateral, otherwise the loan will not be available.