1. Problems encountered when applying for a loan

1. As long as you use the card normally, the bank will take the initiative to increase your credit limit every six months or one year. Just like if he thinks you are a good person and trustworthy, he will lend you more money. The more you spend, the more he earns. The limit is based on your credit.

2. If your overdue loan has been settled in July 2009, you can go to the bank to try to apply for a mortgage in July this year. Try not to look for the four major state-owned banks, as the review will be stricter than commercial banks. It should be no problem to apply for a credit card, but the specific loan policy is unclear. Hope this helps you

2. What are the frequently asked questions about personal loans?

In the loan process, people will always encounter common problems of one kind or another that cannot be solved. Today, we have summarized some frequently asked questions about common loan models so that you can learn more about them. 1. What is a second mortgage? Answer: The so-called second mortgage refers to the property that has been mortgaged and obtained a loan. If the market value is greater than the balance of the mortgaged debt, the property can be mortgaged again. For example, for a property with an appraised value of 4 million yuan, banks often only apply for mortgage loans based on the value of 65 yuan, and the remaining value of 1.4 million yuan seems to be idle. Some private enterprises eager to expand financing can use the remaining value of the property as a mortgage, which is a second mortgage. 2. Can I apply for a personal car consumer loan for a second-hand car? Answer: It is understood that second-hand car consumer credit business has been opened in many cities. It is recommended that you go to your local bank to find out whether this business is available. If so, it will be easier. The car consumer loan process is as follows: 1. Go to the handling bank or dealer for consultation 2. Sign a car purchase contract with the dealer 3. Submit a loan application to the bank and provide information, and the borrower pays the down payment 4. Review the information provided by the lender After passing the qualification, a contract will be signed with the borrower. 5. The dealer will assist the borrower to complete the vehicle licensing, registration and other procedures before issuing the loan. The loan will be transferred to the dealer's account and the borrower will pick up the car. 6. The borrower will repay the principal and interest on time every month. There is no essential difference in the credit business for new cars, so we recommend that you consult more. 3. How do unemployed people apply for business loans when starting their own businesses? Answer: Applicants for entrepreneurial loans need to meet the following conditions: 1. Aged over 18 and under 60; 2. Have entrepreneurial ability and entrepreneurial projects, have a stable business location, and engage in self-employment or breeding; 3. Self-financing Laid-off workers and other personnel with insufficient funds can apply. Generally, entrepreneurial loans applied by laid-off employees do not require mortgage guarantees. The maximum personal loan amount cannot exceed 20,000 yuan (specifically related to the loan location and the applicant bank), and the loan period cannot exceed 2 years. In addition, the expected year of laid-off employees re-employment entrepreneurial loans The interest rate shall be the expected annualized interest rate for loans of the same period and grade stipulated by the People's Bank of China. For those engaged in low-profit projects, the central government will provide full interest discounts based on actual conditions. 4. What application materials are needed to apply for a renovation loan? Answer: You only need to provide your second-generation ID card, proof of work, proof of income, proof of residence and decoration contract. If a decoration contract cannot be provided for the time being, you can also sign a "Loan Purpose Commitment Letter" stating that the loan will be used for decoration. 5. Can all second-hand houses be eligible for mortgage loans? Answer: Generally, you need to prepare the second-generation ID card, proof of residence, proof of business income, proof of business location, business license, and business registration information. Specific materials shall be subject to the notice of the loan manager.

3. Complaints encountered after loan sales

If you encounter problems when applying for online loans

1. Improper collection: violent collection, Exploding address books, beatings, insults, etc.

2. Abnormally high interest rates: routine loans,

3. Invasion of personal privacy: distributing personal phone numbers or personal information to damage reputation

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4. Repeat credit: None