It is suggested to apply for a loan through formal banking channels, which can better protect your personal interests and information security. If you must borrow from the network platform, it is recommended to choose the following:
1, Qianhua: Qianhua is a big brand of Xiaoman Credit Information. It is a pure online application, unsecured, simple application materials, the fastest approval in 30 seconds, the fastest loan in three minutes, the highest 200,000, and the daily interest rate as low as 0.02%.
2, ant borrowing: Ant borrowing is a loan service launched by Alipay, and the application threshold is sesame score of 600 or more. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the lowest monthly interest rate is 0.45% and the highest is 1.8%, which can be repaid with the loan.
If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
The amount of money spent on loans ranges from 500 yuan to 200,000 yuan, with an annualized interest rate of 7.2%, 6,543.8+0,000 yuan, and the interest from 2 yuan is 654.38+0 days. Long loan period, daily repayment, daily interest, no mortgage, pure credit, full online application for ID card and bank card, the fastest approval in 30 seconds, 654.38+0 minutes to the account.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every loan must verify the password and other verification items, and it can only be lent to the bank card in the lender's own name, so you can use it with confidence.
3. Micro-loan: Micro-loan is a pure online personal micro-credit revolving consumer loan product launched by Tencent Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. The user invitation system is adopted, and the monthly interest rate is between 0.6%- 1.5%, which can be repaid as you borrow it.
How to handle the mortgage loan of housing property rights in Taiyuan?
Prepare a detailed version of the husband and wife's personal credit information, personal running water, business license, big red book, go to the bank for consultation, and go to the institution if the credit information is not good.
What information does Taiyuan real estate mortgage loan need to provide?
The loan depends on the purpose. If you apply for a loan from China Merchants Bank, we have personal consumption loans, which are issued by our bank to natural persons for personal or family legitimate consumption purposes such as car purchase, parking, decoration, education, bulk shopping and tourism. , generally secured by real estate mortgage. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department.
Generally, commercial housing is used as collateral, and the mortgage rate shall not exceed 70% of the present value of real estate appraisal; Where commercial houses are mortgaged, the mortgage rate shall not exceed 60% of the net value of real estate appraisal or 50% of the present value of appraisal. For educational purposes, the term shall not exceed 8 years (inclusive).
Application materials generally required for applying for a loan:
1. Identification information
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.
4. Guarantee certificate: proof of ownership of collateral. If there is a * * * owner, it is also necessary to provide a statement that the * * * owner agrees to mortgage or requires the * * * owner to sign a mortgage contract. Where other auxiliary guarantee methods are provided, corresponding certification materials are also required.
5. Proof of use: if the loan is used for car purchase/parking space, materials that can prove the authenticity of the purpose of house purchase, such as car purchase/parking space contract, subscription letter of intent, deposit receipt, down payment receipt, etc. , must be submitted; If the loan is used for decoration, materials that can prove the authenticity of the decoration must be submitted, such as the title certificate of the renovated property, renovation contract, advance payment receipt, etc. If the loan is used for educational purposes, it is necessary to submit the admission certificate, such as the admission notice issued by the school or similar certificate.
6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.
If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
This is the end of the introduction of Taiyuan mortgage. What do you need? I wonder if you found the information you need from it?