Dear, let me help you answer this question:

I. Loan conditions

Judging from the current actual situation, the basic conditions of micro-credit loans are:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

Second, the proof materials

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

Three. Application procedure

1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank, and pays the down payment for the business to the real estate development company;

2. Application: the customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;

3. Payment review: the law firm conducts a preliminary review of the client's application, and then the bank approves it; If the examination is unqualified, the customer information and the fees charged shall be returned;

4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;

5. Loan issuance: The bank transfers the loan amount to the developer's account and informs the customer to start mortgage payment.

The individuals we introduce will solve the problem of short-term difficulty in using money for you and provide you with the most guaranteed service.

Fourth, banking policy.

1. Ping An Bank

Xinyi Loan is an unsecured personal loan business launched by Ping An Bank, a subsidiary of China Ping An Group. It is aimed at working-class and private owners, and can be used for business or personal consumption (including car purchase, decoration, travel, further education, wedding, medical care and other large-scale consumption), with a maximum loan of 500,000 yuan. Shenzhen Development Bank, a subsidiary of Ping An Group, also launched a "new loan".

2. Ping An Easy Loan Insurance

Ping An Easy Loan Insurance, also known as Ping An Easy Loan, is a kind of "credit guarantee insurance" launched by Ping An Property Insurance under China Ping An Group. The applicant is the loan customer himself, the insured is the loan bank and the insurer is Ping An Property Insurance Company, which underwrites the credit risk of the loan customer.

Remarks: As Xinyi Loan and Easy Loan Insurance are products of Ping An Group, some consumers often confuse them. In short, the new loan is a product of Ping An Bank, and the interest rate is lower than that of Easy Loan Insurance. Ping An Easy Loan Insurance is a product of Ping An Property Insurance, which belongs to credit guarantee insurance.

3. Postal savings loan

Within 65438+ ten thousand. Need a guarantor.

4. Bank of Ningbo

The credit lines of this loan are 50,000, 65,438+100,000,1.5,000 and 200,000. It is valid for three years, can be recycled, can be borrowed and returned, and bears interest on a daily basis. Personal credit can also apply for loans without guarantee or mortgage. Bank of Ningbo launched the "White-collar Customer Recruitment Plan" for Nanjing civil servants, teachers, doctors and other people, which was officially launched in April. The loan interest rate is linked to the customer's contribution, and the lowest benchmark interest rate falls 10%. Borrowers can handle the issuance and repayment of loans through business counters or online banking contracts as needed.

5. Standard Chartered Bank

Standard Chartered Bank launched unsecured personal loans in five major cities in China, with a maximum loan amount of 200,000 yuan and a minimum loan amount of 8,000 yuan; The longest loan period is 4 years and the shortest is 6 months. Consumers can apply to Standard Chartered Bank as long as they have a stable job and income without any guarantee or mortgage.

6. Bank of China

The unsecured personal loan "Cash Loan School" launched by China Bank in conjunction with Zhengda Express Loan in five major cities across the country has a maximum loan amount of 300,000 yuan and a minimum loan amount of 5,000 yuan; The longest loan period is 4 years and the shortest is 6 months. Consumers only need to have a stable job and income, and can apply to the Bank of China without any guarantee or mortgage.

5. Regular interest rate

(1) The term of unsecured personal small short-term credit loan is less than 1 year (inclusive).

(2) The interest rate of unsecured personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by installments. If the loan term is less than 6 months, the interest will be calculated at the interest rate of 6 months.

(3) The starting point of unsecured personal small short-term credit loans is 2,000 yuan, and the loan amount is no more than 6 times of the borrower's monthly salary, with a maximum of 20,000 yuan.

(four) unsecured personal small short-term credit loans are generally not issued. If the loan cannot be repaid on time due to force majeure or unexpected events, it can be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension is paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated at the 6-month loan interest rate listed on the same day from the date of extension; If it exceeds 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the extension date.

Audit factors of intransitive verbs

(1) Personal credit records, especially the credit records of the applicant in the bank account, to see if there have been any bad behaviors such as overdraft and refusal to pay.

(2) Personal debt ratio. Under normal circumstances, the bank will only consider providing it if the debt service burden does not exceed 25% of the applicant's annual after-tax income.

(3) Personal employment records. The general standard of banks is that the applicant must have a stable job and a reliable income to repay the loan.

(4) The upper limit of loan amount. The determination of the upper limit of the loan amount mainly depends on the applicant's basic income level, debt level and loan period, and then makes a comprehensive evaluation. The general standard is that unsecured personal loans should not exceed 65438+ 0.5 times the applicant's monthly basic income.

(5) loan term. For loans for tourism, personal income tax and other purposes, the loan period provided by banks is generally within one year. For loans for other purposes, the loan period of the bank usually does not exceed two years.

6. Loan pricing. For this kind of loans, banks generally tend to provide loans at preferential interest rates. Because individuals who can pass the bank audit are low-risk bank customers, they should be able to get better interest rates.

Seven, personal insurance. Although unsecured personal loans do not require the borrower to provide mortgage, banks still have to consider how to recover the loan if the borrower dies or is disabled. The most common method is to know whether the borrower has life insurance and whether the insurance amount is sufficient. If not, the bank will sell life insurance and disability insurance to the borrower.

Seven, the basic content

Loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct, and the sum of the borrower's age and the loan term is not more than 60 years old;

2. Loan amount: the minimum amount is 654.38 million yuan, and the maximum credit amount is 5 million yuan.

3. Loan term: the loan term is generally 1 year (inclusive), and the validity period of the line shall not exceed 5 years at the longest;

4. Loan interest rate: subject to the loan interest rate of China Construction Bank;

5. Guarantee method: The guarantee adopts the methods of mortgage, pledge and guarantee, but the guarantee provided by a third party is not accepted.

6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest payment, equal principal and interest repayment, average capital repayment, and one-time principal and interest repayment. If the loan term is more than one year, the method of equal principal and interest and average capital repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

Eight. Advantages and disadvantages analysis

Judging from the existence of collateral, there is no need to use physical objects as collateral, mortgage loans need real estate as collateral, and real estate requires full purchase or the loan has been settled;

Judging from the loan amount, it can generally be 10- 15 times of the running water certificate, with a maximum of 300,000 to 400,000. The amount of mortgage loan is generally 70% of the appraised value of mortgaged real estate, and the highest amount can reach tens of millions. The advantages of mortgage loans are obvious.

From the perspective of loan interest rate, the interest rate is generally 7.9%-9.9%, and mortgage interest rates is generally 5.94%, which is lower than the benchmark interest rate;

From the perspective of loan term, the longest loan can reach 4 years, and the longest mortgage loan can reach 20 years, and the mortgage loan wins;

Judging from the time of lending, the loan can be released on the same day after the approval is successful, and the mortgage loan generally takes 10 working days to win;

Judging from the strictness of the borrower's audit, because there is no collateral, the borrower's qualification audit is very strict, and the mortgage loan is slightly looser than the borrower's audit;

Judging from the need for proof of use, borrowers do not need to provide proof of use, while mortgage loans require borrowers to provide proof of use. Only banks can provide proof of purchase, car purchase, study abroad and decoration. It can be seen that the use of funds is relatively extensive;

From the perspective of operating banks, only a few foreign banks and domestic banks can operate, while mortgage loans are relatively common, and both domestic and foreign banks can operate.

I hope the above is helpful to you.

Second, do you want to borrow 500,000 yuan from the bank for a house with a personal red book of 6.5438+0.5 million yuan?

Of course, personal credit information can show your arrears record.

Can I borrow 500,000 yuan from the bank at the age of 3.23?

I came of age at the age of 23. If you can provide proof of repayment ability or mortgage guarantee for the loan, you can borrow 500,000 yuan.

4. Can an individual borrow 500,000 yuan from the bank?

Individuals can borrow 500,000 yuan from the bank, but they need to meet the loan conditions of the bank when handling it. Ordinary borrowers need to submit collateral, and the bank will give the loan amount after evaluation. If the loan demand cannot be met, they can continue to submit collateral at this time. If your personal income is relatively high, you can try to apply for a mortgage at this time.

When a bank applies for a loan, you can compare it with different banks and then choose the most suitable bank. After the borrower submits the loan information, the bank will review it, and after the approval, you can get the loan. If the submitted information is rejected by the bank, you can supplement and resubmit it.

When handling loans, the borrower's repayment ability and credit information are the focus of bank investigation. If the borrower's credit information is poor, the loan at any bank will be rejected at this time, and the credit information cannot be changed. When handling a loan, the borrower's income must be two to three times the monthly repayment amount.

Before you apply for a loan, you should measure your repayment ability in advance. If your repayment ability is insufficient, you should be cautious in lending at this time to avoid the situation that you can't repay on time in the future. In addition, when repayment is difficult, users can borrow money from friends around them, which can effectively avoid overdue.

non-performing loan