Question 2: How can I get a loan from the bank? What qualifications?
Question 3: What are the conditions for bank loans to get money now? Let me answer that. Interest-free loans are generally small loans, ranging from thousands to 50 thousand yuan, which are initiated to support special groups, such as laid-off, unemployed, unemployed or encouraging young people to start businesses. Other informal companies or large loans may deceive people.
Please see the following news:
"Personal interest-free loans", "no mortgage, no guarantee, no household registration restrictions" ... Recently, individual "consulting companies" have made such attractive advertisements that many citizens who are eager to use money have a bright future. Yesterday, after receiving a report from a citizen, the reporter made an unannounced visit to these loan companies on the grounds that "300,000 loans are urgently needed to buy a house", and found that these companies are actually playing the role of "financial intermediaries", using credit cards to overdraw the bank's money to customers.
Then charge a handling fee. To put it bluntly, it is to overdraw the bank's money with a credit card for nothing, but it does not rule out the possibility of cheating the lender and then walking away.
■ reporter's unannounced visit
According to the advertisement, the reporter who approved the credit card revolving cash withdrawal called a "loan consulting" company on Hong Kong Road, saying that he planned to borrow 300,000 yuan to buy a house and wanted to know how to get such a large interest-free loan. A man told reporters after listening that the so-called "interest-free loan" was obtained by helping customers apply for credit cards from more than a dozen banks, and then using the interest-free days of 50 to 60 days in the use of credit cards to make money. The specific steps are as follows: first, they help customers handle more than a dozen credit cards, and then customers use these credit cards to overdraw the maximum overdraft limit of 300,000 yuan in cash from some of them. A few days before the end of the interest-free period, customers will once again withdraw cash from the second batch of credit cards in the form of consumption to repay several credit cards that are about to pass the interest-free period. Similarly, customers will overdraw cash from the first batch of credit cards before the second batch expires. Repeatedly, the result is that the customer always has a sum of 300,000 yuan. As for the more specific operation method, he said that if journalists really want to borrow money, he will tell them all after paying them the handling fee of 1800 yuan.
You can apply for a card without the original ID card. After listening, the reporter said that he was "very interested" and asked what procedures he needed to bring. The other party can ask reporters to prepare ID cards, real estate licenses and more than a dozen personal income certificates. When the reporter suggested that he had lost his ID card and the new second-generation ID card had not been issued, the other party said that as long as he had a copy of his ID card, it would be fine. When the reporter expressed doubts, the other party said that he had contacts in the bank, which reassured the reporter.
Subsequently, when the reporter consulted the staff of an investment consulting company on Fuzhou Road as a lender, the staff of the other party said that the method was basically the same as that of the above companies, and they all used the bank's money for free through credit card overdraft. To put it bluntly, it is an overdraft behavior of "robbing Peter to pay Paul".
■ Views of all parties
People in the industry should be careful about intermediary companies cheating money. Yesterday, the person in charge of a formal loan company in the island city said in an interview that the most likely serious risk of using credit card overdraft to launder money is vicious cashing. He said that the information on the magnetic stripe of a credit card can be copied in a few seconds. If these loan companies are entrusted to handle credit cards, the other party is likely to use the cardholder's personal data to apply for or copy credit cards, and then maliciously overdraw a large amount of cash and abscond with the money. There is also a risk that these loan companies cheat the trust of lenders, charge a lot of fees, have no credit cards at all, take the money and leave, go to another place to start a new business and continue to deceive people. Because these companies use fake documents, law enforcement agencies are often beyond their reach.
There are loopholes in bankers' outsourcing of credit card business. A staff member of the credit card department of ICBC expressed doubt whether these consulting companies can manage a large number of credit cards of formal banks. She told reporters that from the bank's point of view, they did not entrust any company to handle credit card business, so these companies are definitely not loan intermediaries entrusted by banks. She said that the maximum overdraft limit of ICBC ordinary RMB credit cards is only 5,000 yuan, and the overdraft limit of gold cards is only 1 1,000 yuan. It is impossible for all cards to have an overdraft limit of 10,000 yuan. Most importantly, gold card applicants need to submit a large number of credit certificates, and they can get credit cards after strict examination by the credit card center. Therefore, it is impossible to overdraw tens of thousands of cash with credit cards as the company said.
However, the staff believes that at present, in order to pursue the scale and quantity of card issuance, some banks are not strict in approving credit cards, and the ID cards and driver's licenses required for card issuance are > >
Question 4: How can banks not get loans? Don't pay back the credit card, and don't pay too much. Delay for a year or so and become a black household.
Question 5: How can I get a loan from a bank, as long as I have no bad credit record (I haven't repaid the loan or anything)?
Question 6: How can I get a loan from the bank? You should tell the bank your plan, the steps you will take and the profit prospect, as well as how many years you plan to pay it off and how many steps you will take. The bank should be sure that your plan is feasible. The bank has confidence in your business plan and thinks that you can pay off the bank loan before the bank will lend it to you. I suggest you find a commercial bank, or Industrial and Commercial Bank of China, or China Merchants Bank to see if they are willing to lend. You should mainly explain your business and profit prospects thoroughly, gain the trust of the bank, and let the bank feel that you have confidence and a project future. Good luck!
Question 7: I want to borrow 50,000 yuan from the bank. How to get a loan freely with sufficient information?
Question 8: How to get a loan of 654.38 million yuan from the bank? Do you want to invest in business? If so, you can apply for a business loan. If not, then there is no way. Banks aim at making profits. Lending you money is too risky and generally won't be approved.
Question 9: How do I know how much money I can borrow from the bank? Eligible banks will lend according to their personal qualifications.
Conditions for banks to apply for loan business:
Natural persons aged between 18 and 65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit information, no bad records, and legal use of the loan;
Other conditions stipulated by the bank.