You can apply for a business start-up loan by paying back two consumer loans. Yi Nong Shang Loan is a credit loan product for farmers with good credit records in Guangxi, and Yi Nong Consumer Loan is a credit loan product for farmers with good credit records in Guangxi.
What is the interest rate of 20 16 bank consumer loan? What information do you need?
The bank's interest rate for more than five years is 4.9%, and the bank's consumer loan interest is below 1 minute per month. Different banks have different interest rates. The information is different.
Consumer loan interest rate 20 16
During the period of 20 16, the annual interest rate of personal (RMB) loans of the People's Bank of China was not adjusted. If you want to know the current benchmark loan interest rate, please go to the home page of China Merchants Bank and click "Loan Interest Rate" on the right.
What are the requirements for handling personal consumption loans?
Conditions for handling personal consumption loans:
1. To apply for personal consumption loan, you must meet the following basic conditions:
(1) A natural person who has reached the age of 18 and has full capacity for civil conduct;
(2) People's Republic of China (PRC) citizens, including Hong Kong, Macao and Taiwan residents who have worked continuously in People's Republic of China (PRC) for 1 year or more, hold valid identity documents that meet the regulatory requirements, and have a fixed residence in China. Hong Kong, Macao and Taiwan residents should own their own property at the place where the loan is applied;
(3) It has a continuous and stable source of income and has the ability and willingness to repay the loan principal and interest on schedule;
(4) It has a good credit status and has no bad credit record in the Bank and its peers;
(5) To apply for personal mortgage consumer loans, you should also provide collateral recognized by the bank as loan guarantee;
(6) Before handling personal consumption loan, you need to open a deposit account with our bank;
(seven) other conditions stipulated by laws, regulations, regulatory agencies and agencies.
2. Those who apply for unsecured personal consumption loans should also belong to the following customer groups:
(1) Employees with relatively stable wages or labor income. Mainly aimed at state organs,
Formal employees of key enterprises and institutions; Professional and technical personnel, such as lawyers and certified public accountants. In principle, the borrower's work experience should be 6 months or more.
(2) Self-employed individuals with a continuous and stable source of operating income (with an operating life of 2 years or more).
(3) Personal high-end customers, including BOC wealth management customers, BOC wealth management customers and private banking customers of Bank of China.
Due to differences in business in individual regions, please consult the handling outlets for details. You can also enter the online customer service manual service and call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
Which bank is good for consumer loans? What is the interest rate of 20 16 consumer loan?
Consumer loans, also known as consumer loans, mainly refer to personal loans for studying abroad, house decoration, purchasing durable goods and even buying a car. 2 1 century With the rapid development of internet finance, consumer loans have become a major trend or a part of people's daily needs. So which bank's consumer loan is better? What is the expected annualized interest rate of 20 16 consumer loans?
What is the expected annualized interest rate of 20 16 consumer loans?
The expected annualized interest rate for loans within one year (including 1 year) 1 to five years (including five years), 5.60% for loans over five years, 6.00% for individual provident fund loans, and 6.65438 for housing provident fund loans over five years.
How to get a consumer loan with lower expected annualized interest rate from the bank?
1. Maintain your personal credit
If you want to get a bank loan with a lower expected annualized interest rate, the borrower must have a good credit record, so that the bank will think that you have a strong willingness to repay and can lend it to you with confidence. So everyone must safeguard their personal credit in their daily lives ~
2. Become a quality customer of the bank.
Compared with ordinary customers, the expected annualized interest rate of loans given by banks to high-quality customers is lower. For example, you belong to stable professional employees such as civil servants, teachers and state-owned enterprises; Have a large amount of deposits in the loan bank; Purchased the wealth management products of the loan bank; Hold the platinum credit card of the loan bank, etc.
3. Strong repayment ability.
Borrowers have strong repayment ability, and the chances of obtaining bank loans with low expected annualized interest rates are also greater. Perfect bank flow will definitely increase the weight of funds applying for loans with lower expected annualized interest rates.
Apply for a mortgage loan
Generally speaking, applying for a mortgage loan is lower than the expected annualized interest rate. For example, a customer who provides a car as collateral will get a lower expected annualized interest rate when applying for a car mortgage loan.
5. Cost and repayment ability
Consumer finance suggests that consumers should first "think twice about loan shopping" and choose the consumer loan that suits them. Just don't chop your hands blindly! If you buy too much, the expected annualized interest rate will be useless ~
PS: Before signing the loan contract, you should pay attention to the loan interest, service fee, repayment period and other information. Usually, the lower the down payment, the longer the loan term, and the corresponding interest and service fees will be higher.
Concluding remarks
In fact, what is the expected annualized interest rate of consumer loans? I'm afraid no one can give an accurate answer, because the central bank only stipulates the expected annualized interest rate of loan benchmark, and the expected annualized interest rate of consumer loans in different regions and banks is slightly different, but the interest rates of consumer loans of various banks can only fluctuate within a certain range of the expected annualized interest rate of benchmark. If you need a consumer loan, you can fill in the relevant information on our website to apply for a loan, and we will choose the product that suits you best.
Can Guilin Bank lend 1000 yuan to support mobile phones in Guangxi?
support
It is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan. Simple procedures, fast lending process, simple procedures. Generally, it is completed within 7 days from the date of loan acceptance, which is more convenient and faster than bank loans, and the interest is much lower than private lending.
Guilin Bank, formerly known as Guilin Commercial Bank, was established in March 1997. It is a new joint-stock commercial bank with independent legal personality initiated by Guilin Finance, local advantageous enterprises, urban residents and many other shareholders. Different loan types have different handling conditions. It is recommended to consult the official customer service of the bank.
Guilin Bank was established in March, 1997. It is a state-controlled city commercial bank with independent legal personality initiated by Guilin Finance, local advantageous enterprises, urban residents and other shareholders. The registered capital is 5 billion yuan. The head office is located in Guilin Financial Building, No.8 Park North Road, Lingui District, Guilin City. Guilin Bank takes "rooting in the land of Bagui and serving rural revitalization" as its market positioning, and strives to build a "bank serving rural revitalization". After years of development, Guilin Bank has become a single local corporate bank with the largest assets, distinctive business characteristics, solid brand foundation, outstanding competitiveness and positive team in Guangxi, and won the "National May 1 Labor Award" in 20021year, ranking among the "Top Global Banks 1000" and "China in 20021year".