I suggest you choose the bank channel to handle personal loans.

To apply for a small loan of less than 50,000 yuan, you can log in to China Merchants Bank Mobile Banking first, and click "My"-"All"-"Loan"-"I want to borrow money" to try to apply through this interface; Or you can apply for a loan by credit card: log in to Pocket Life and click Card Finance-Reserve Fund-Apply Now below to try to apply for a reserve fund here, depending on the audit results.

Procedures for applying for mortgage loans:

1, audit data

The lender will submit the necessary information to the loan company, and the loan company will review the lender according to the information. This is to check whether the information provided by the applicant is true and effective, so as to make the loan smoothly and reduce the risk of the company being fined.

Step 2 evaluate collateral

The professional evaluation team of the loan company makes a preliminary evaluation of the collateral and estimates the loan amount.

Step 3 sign a contract

After passing the examination, the lender and the company reach a certain agreement on the amount of the next payment and some contract descriptions, and then the two parties sign a mortgage loan contract in duplicate, which can protect the legitimate rights and interests of both parties.

4. The next paragraph

Under normal circumstances, the funds allocated by the loan company are directly transferred to the lender's account, because the loan amount is still relatively large, and it is usually safer for each company to transfer the money to the customer card.

5. Repayment

The Lender shall perform repayment transfer according to the Contract. This is very important. Lenders must remember to repay on time, because this will affect their credit information. If there is no money on the repayment date, they must contact the company for a period of time. General companies are more humane.

: The loan conditions for buying a house in Suzhou Park are as follows: (1) The housing provident fund paid before the month of applying for the loan has reached the specified period (the normal payment period of the A-class comprehensive social security plan of social insurance (provident fund) can be combined with the payment period of the original A-class comprehensive security plan of the provident fund or the transferred Suzhou housing provident fund); (two) its own funds used to pay for the purchase (construction) of houses shall not be less than the prescribed proportion; (3) Being able to implement the loan guarantee; (4) It has stable economic income and loan repayment ability, and its personal credit status is good; (five) housing provident fund loans have not occurred or have been fully paid off; (six) my housing provident fund account.