After successful insurance, customers can get loans from their cooperative banks, which not only have complete products, but also have zero pre-insurance expenses.
The full name of "Dida Time Loan" is "Dida Time Loan Insurance", which is a personal loan guarantee insurance product launched by China Dida Property Insurance Co., Ltd. (hereinafter referred to as China Dida Insurance) to facilitate ordinary residents to obtain unsecured loans from financial institutions. As long as the insurance is successful, the insured can apply for a small loan issued by a cooperative financial institution, which is unsecured, unsecured, simple, flexible, fast, safe and guaranteed.
Extended data
1. Conditions for handling Dida term loan:
1.21-Chinese mainland citizen aged 55;
2. Have a stable job with a salary of more than 3,000 yuan;
3. Working in the current unit for more than six months;
4. Have a credit record in the bank.
Suitable for people: working-class civil servants, teachers, private enterprise bosses, etc.
Two. The bank loan process is as follows:
1, loan application. Borrowers apply for loans from local banks. In addition to applying for small loans in rural areas, relevant information is required when applying for other types of loans.
(1) Basic information of the borrower and guarantor;
The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;
(3) Rectification of original unreasonable loans;
(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;
5] Project proposal and feasibility report;
(6) Other relevant information deemed necessary by the Bank.
2. Credit rating evaluation. The bank evaluates the borrower's credit rating.
3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.
4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.
5. sign a contract. The bank signs a loan contract with the borrower.
6. Loan issuance. The bank issues loans on schedule according to the loan contract.
7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.
8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.