Requirements for applying for personal consumption loan of Shanghai Pudong Development Bank:
1, 18 years old (inclusive) natural person with full capacity for civil conduct, with a loan of one year.
2. own a town.
3. Have legal and stable economic income, good credit and the ability to repay the principal and interest of the loan.
4. Have a clear intention of consumption or have signed relevant cancellation.
5. You can provide a guarantee recognized by the bank.
6. Other conditions required by the bank.
Apply for personal consumption of Shanghai Pudong Development Bank
1, valid ID and household registration certificate;
2. Proof of marital status;
3. Personal income certificate;
4. Relevant materials or documents (sales contracts, agreements or other valid documents) to confirm consumption behavior.
5. Personal consumption loan application form (which can be collected at the business outlets around the Bank).
2. How to handle the personal car loan of Shanghai Pudong Development Bank?
Personal automobile consumption loans refer to personal loans issued by banks to borrowers for purchasing automobiles. Then, how to handle the personal consumption car loan of Shanghai Pudong Development Bank? Product function: 1. Relieve the economic pressure brought by buying a car; 2. The repayment method is flexible and matches the personal cash flow. Conditions for applying for loan: 1. A natural person with full capacity for civil conduct; 2. Having permanent residence or valid residence status in the town where the loan bank is located; 3. Having permanent residence or valid residence status in the town where the loan bank is located; 4. A car purchase agreement or contract has been signed, and a down payment of not less than 30% of the car purchase price has been paid; 5. Being able to provide the guarantee recognized by the lender. Required information: 1. Valid identity documents and household registration certificates, marital status certificates and personal income certificates; 2. Relevant materials or documents (such as sales contracts) confirming consumption behavior; 3. down payment invoice or receipt; 4. Application form for automobile consumption loan; 5. Other materials required by the bank. Loan amount: the maximum loan amount is 70% of the car price, and the maximum single loan amount does not exceed 500,000 yuan. Credit period: no more than 5 years. Bidding process: application-bank approval-contract signing-procedures (notarization, mortgage, etc. )-loan issuance-customer repayment.
3. What should I do if I want to apply for a personal consumption loan?
1. Personal loans with good credit records, because there is no collateral, so pay special attention to the borrower's personal credit. In the bank's view, people with good credit records can improve the loan pass rate.
2. Have a higher income.
Because the amount of credit loan is fifteen times the monthly income, if your income is low, then the loan amount is less than 20 thousand, and banks are not willing to issue loans.
3. Have a stable job.
If his occupation is good, such as civil servants, institutions, teachers, listed companies, it is easy to apply for large credit loans. Because these people usually have stable jobs and high incomes, they are willing to issue loans as long as they have good credit.
4. Provide proof of assets
If the borrower has real estate, cars, etc. In his name, it can be used as proof of assets. As long as there are these certificates, the bank can guarantee a higher loan amount to the receptionist. Therefore, we must be prepared before handling the credit loan, and we must repay the principal and interest on time when providing the loan amount.
4. How to handle the consumer loan of Shanghai Pudong Development Bank?
Requirements for applying for personal consumption loan of Shanghai Pudong Development Bank:
1, a natural person who has reached the age of 18 (inclusive) and has full capacity for civil conduct, the maturity date of the loan is generally not more than 60 years old.
2. Have permanent residence in cities and towns or valid residence status.
3. Have legal and stable economic income, good credit and the ability to repay the principal and interest of the loan.
4. Have a clear intention of consumption or have signed relevant consumption contracts.
5. You can provide a guarantee recognized by the bank.
6. Other conditions required by the bank. Application materials for personal consumption needs of Shanghai Pudong Development Bank: 1, valid identity document and household registration certificate; 2. Proof of marital status; 3. Personal income certificate; 4. Relevant materials or documents (sales contracts, agreements or other valid documents) to confirm consumption behavior. 5. Personal consumption loan application form (which can be collected at the business outlets around the Bank). 6. Other materials required by the bank.