About credit loans.
Personal credit loan
It is a RMB credit loan issued by banks or other financial institutions to borrowers with good credit records without providing guarantee, that is, you can apply for loans from banks or financial institutions without any collateral and assets. The most important thing for credit loans is to have a good credit record, so everyone must keep a good credit record in their daily lives.
So, what information do you need to prepare for a credit loan?
How to deal with it?
What are the conditions for applying for a credit loan?
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Information needed for credit loan
1. ID card
2. Proof of income (after-tax punch-in salary is more than 3,500, which will vary in different regions)
3 provident fund or social security card (social security or provident fund that needs to be paid continuously for more than one year)
4. Auxiliary materials: If there is real estate, you can provide proof of real estate or academic qualifications.
02
Credit loan processing flow
The business manager goes to the bank to apply for a credit loan with the prepared materials, which will be reviewed by the bank after submission; Or you can contact a financial lending institution to handle it. Professional loan consultants will provide one-on-one services, and follow-up information supplements and changes will be followed up by special personnel, which is more convenient, quick and worry-free.
Credit loans are mainly personal credit, so many banks will be relatively cautious about the loan amount, and most of them will not exceed 300,000; Professional financial lending institutions will adjust according to the actual situation of individuals, which is relatively flexible.
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What are the requirements for applying for a credit loan?
Not everyone can apply for a credit loan, but some relevant conditions are still needed.
1. Work situation: First of all, the lender must have a stable job and work in the current work unit for at least 6 months, mainly according to social security verification; If you are self-employed, you need to provide a business license for more than one year.
2. Income: The audit mainly focuses on bank flow. Personal credit loans in Shenzhen require a monthly income of more than 3,500, which will be different in different regions.
3. Personal credit: The most basic condition of credit loan is a good personal credit record. Generally, the lender's credit report is required to be overdue for no more than 6 times within two years and not to be returned for no more than 3 months in a row.
4. Current debt: the threshold of credit loan is low, and there is no need for mortgage and guarantee, but the repayment ability of the lender will be reviewed according to the lender's debt situation. If the debt is too high, it means that your repayment ability is poor and you can't apply for a credit loan.
5. domicile: this is also one of the criteria for assessing the stability of lenders. Lenders need to have a stable residence and provide relevant real estate licenses or lease contracts as the basis.
6. Personal behavior record: Banks and financial lending institutions will require lenders to have good conduct and no criminal record or court enforcement record.
7. Proof of personal assets: This can be said to be a plus item for credit loans, which can help prove personal repayment ability. Accordingly, banks and financial lending institutions will increase the loan amount according to your personal assets.
Other conditions of banks and financial lending institutions.
Do you have a clear understanding of personal credit loans now? The threshold of credit loan is relatively low, and credit loan is a good solution when everyone only needs capital turnover.