Banks in Zhengzhou don't need any mortgage and guarantee, and the procedures are simple. The fastest loan is 2 days, and the term is 3-36 months!

To apply for Bank of Zhengzhou, you must meet the following conditions:

(1) has China nationality (excluding Hong Kong, Macao and Taiwan residents);

(2) The age is 20-60 years old;

(3) Living in Zhengzhou and having a stable occupation; Unlimited household registration

(4) If the monthly income is more than 2,000 yuan/the applicant is an enterprise legal person or shareholder, the enterprise must be registered and actually operated for one year. Or have a real estate in Zhengzhou, with a quota (1-300,000). See my information for contact information!

2. Can I get a loan just by running the bank?

You can't apply for a loan just by the running water of the bank. If you apply for a bank loan, the bank will review the comprehensive qualifications of the borrower. To apply for a loan, you need to prepare relevant materials to meet the conditions of the loan.

Bank loan preparation materials:

Borrower's ID card (ID cards of both husband and wife are required for some loans);

Household registration book (some loans need the household registration book of both husband and wife);

Proof of marital status (marriage certificate/divorce certificate, judgment/single certificate);

Proof of address (household registration book, house purchase contract, lease contract, water and electricity bill);

Proof of income;

Bank flowing water;

Credit report;

Proof of academic qualifications (as far as possible);

Large deposit certificate;

Real estate information;

If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Other information required by the bank.

Conditions for applying for a bank loan:

/kloc-China citizen aged 0/8-60;

The actual age of the borrower plus the loan period cannot exceed 70 years old;

Have a stable occupation and income;

Have the ability to repay;

Good credit information and no bad records;

Loans cannot be used for illegal activities such as stock trading and gambling;

Other conditions stipulated by the bank.

The process of bank loan:

The borrower applies for a loan;

Submit relevant information;

Bank approval;

After approval, notify the borrower of the result;

Both parties sign a loan contract;

The execution of mortgage, pledge, unsecured contract or other guarantee contract;

Bank loans;

Post-loan management;

The borrower shall repay the loan principal and interest as stipulated in the contract.

3. What's the monthly interest on the loan of 654.38 million yuan from the bank?

The one-year loan prime rate of China People's Bank is 4.35%. If the loan is 6,543,800 yuan and the interest is 654.38+ 0,000,000× 4.35% = 4,350 yuan, the result is 4,350 yuan. You can use mortgage loans or credit loans when making loans; Credit loans must provide a good bank flow and a good credit record. If you have a bad credit record, the loan is likely to be rejected.