The interest rate of 80,000 points and 1,500 points a month for five years is 6.4.
1. Loan requirements:
1. Loan requirements The applicant must be a natural person with full capacity for civil conduct, have a permanent urban residence or valid residence status, and have a stable occupation and Income, good credit, and the ability to repay the principal and interest of the loan.
2. Loan requirements The applicant must be a natural person with full civil capacity, have a permanent urban residence or valid residence status, have a stable occupation and income, have good credit, and have the ability to repay the principal and interest of the loan.
2. Basic conditions for bank loans:
1. The applicant must be a natural person with full capacity for civil conduct.
2. Having a permanent urban residence or valid residence status means that the borrower is required to have a legal identity.
3. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan.
4. Some banks will require applicants to have applied for a credit card or borrowed money from the bank and have a good credit record.
5. Some also require assets recognized by the bank as mortgage or pledge, or a unit or individual that meets the prescribed conditions and has the ability to pay as a guarantor to repay the principal and interest of the loan and bear joint liability.
3. Materials required to be submitted:
1. The borrower’s valid ID card and household registration book;
2. Proof of marital status. If you are unmarried, you need to provide proof of unmarried status. If you are divorced, you need to provide a court civil mediation letter or divorce certificate (indicating that you have not remarried after divorce);
3. If you are married, you need to provide your spouse’s valid ID card, household registration book and marriage certificate;
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4. Proof of the borrower’s income (certificate of salary income for six consecutive months or local tax receipt);
5. If a mortgage is required to obtain a loan, proof of rights to the mortgage must be provided. Moreover, the sum of the loan amount and interest during the loan period cannot exceed 1/2 of the assessed value of the collateral.
1. Will a small loan be subject to a credit report?
1. If you go to the bank for a loan, if you repay it overdue, it will undoubtedly leave a stain on your credit record. However, whether a small loan company will be listed on the credit report depends on whether the small loan company has connected with the central bank's credit report interface.
2. According to data, there are less than 100 small loan companies across the country that are connected to the central bank’s credit reporting interface. It can be seen that when applying for small loans with some small loan companies, the loan records will not appear in the credit report. But everyone must not take it lightly, because there is a set of exclusive credit "blacklists" among small loan companies. If the borrower always fails to repay the loan overdue, not only will he not be able to borrow money from this small loan company, but also It is also difficult to get a loan from other small loan companies.