As a "slick" who works in a state-owned bank and has been in the loan circle for more than ten years, I can give you a definite answer. This kind of loan is real, but! There are additional conditions, and you can't apply casually. The focus of today's article is how to apply for low-interest loan products. Everyone should follow this logic carefully and generally apply for a product that suits them.
Before I say anything, let me emphasize that this strategy is mainly aimed at high-quality loans with low interest rates. Maybe some commercial banks are not as harsh as I said. But for the sake of safety, please follow the standards of the article.
First, you should apply for a low-interest loan. Needless to say, the first choice is the operating loan. It is almost impossible to find a product with a lower loan interest rate than the mortgage business in the market. Since it is an operating loan, it is necessary to "prepare" a company. It takes at least one year to register as a shareholder. Of course, if you are in a hurry, half a year will do. The best types of companies are trade, industry, science and technology, department stores and so on. This kind of industrialized operation is welcomed by banks, because the running water and operating conditions are clear at a glance, the capital flow is clear, and the corresponding risks are much smaller.
Some people may say that there is no company under my name, but the intermediary said that it can be solved through transfer. This is ok, but low interest rate is basically impossible, because as long as the bank wants to check, the bank will check your shareholding time and change record clearly. But there are still many banks that will choose to "turn a blind eye", that is, those banks with low thresholds. Therefore, before you want a loan, you should make preparations at least half a year in advance to prove that the enterprise has real business traces.
We'll talk about running water after the company. Running water is a very important indicator. If you want a low-interest loan, you must do real business and provide proof by paying taxes and invoicing. Therefore, banks will generally check your business account, invoices and tax payment, whether there are business premises, whether there are utilities, etc. And will ask for a loan to the corporate account. So here's the question. Although the current policy is vigorously supporting small and medium-sized enterprises, including self-employed, it is still difficult for ordinary people to provide documents for such ultra-low interest loans, especially for self-employed people to invoice and pay taxes. Therefore, it is best to provide checks and balances several times a month. Not necessarily a lot, but certainly a lot. It would be better if there was an invoice. Don't have too many savings cards under the company name. It is best to have one or two savings cards to prove business traces.
After talking about the house, the requirements for the house are relatively simple. First of all, the real estate license needs to be held for at least half a year, the age of the house is not more than 30 years, and the area is not less than 50 square meters. It is best not to be an apartment or villa, and the property owner is under 65 years old. Meet these conditions, basically some mainstream products on the market can be used. The reason why apartments and villas are not wanted is that the banks of apartments and villas don't want to take over. Generally, apartments can only be mortgaged by 50%, while villas are difficult to change hands because of their large size, generally around 60%.
Finally, let me talk about credit reporting. In the process of credit investigation, we must remember the words "black or white, too much or chaos". I will bring out the specific details separately in a later article. Let's start with the basics. There can be no overdue, even if it is overdue, especially some online loans and small loans, which can be used less. Banks hate this kind of online loan and small loan. Your excessive application is considered by the bank to be short of money, and the bank will examine you more strictly. Simply put, banks will only add icing on the cake, but will not provide timely help.
Mainly talking about enterprises, tap water, real estate, credit reporting. If these conditions are basically met, you can try to apply for some low-interest loans from the bank. As a borrower, we must position ourselves correctly. You're asking people to do things. You must show your best side to the bank and show yours.
Related Q&A: Related Q&A: Is there a formal low-interest platform for loans that is not usury? First of all, I don't know how low your interest rate is!
At present, apart from the four major banks, personal retail loans are rarely made. Postal savings banks, rural commercial banks and local rural banks can all apply for personal loans!
Including your consumer loans and business loans, the interest rates of mortgage loans are basically above 6.09%, and the credit category depends on the situation in various regions.
If you want a low interest rate, unless there are local policy loans and some local governments have discount loans, the government finance will pay the bank interest, and the lender does not have to pay the interest. You can consult the labor security center for details.