1. Age: 18-65 years old
2. Limit: 400,000 yuan at most.
3. Duration: 36 years, 65438+February 24th.
4. Interest: 0.72- 1. 14. There is no loan fee.
5. prepayment: remaining principal * 3 (repayment after 3 months)
6. Work: Self-employed business license is one year/salaried customers work for half a year (the company needs to provide social security payment flow for nearly half a year for repeated salaried customers). If there is no business license for pre-loan investigation/social security/provident fund for one year, non-high-risk customers can communicate without calling the landline.
7. Credit reporting requirements:
The number of inquiries in the last month is no more than 5 times, and the number of inquiries in the last two months is no more than 9 times (I don't read it after lending).
There are two kinds of small amount, and the amount is not limited (the word small amount in the credit report is regarded as small amount).
Currently overdue (return within 3 days or insufficient 200 yuan can be exempted; If it is signed in person, it is required to provide running water or bills; If the five-level classification or account is abnormal, it cannot be exempted; Streaming media can support online banking/mobile banking screenshot)
8. Maturity requirements:
Single credit card customer allowed in the last three months11; One 1 is allowed for a single loan customer, and two1are allowed for multiple credit card customers; Multiple loan customers are allowed two 1.
In the past two years, a single credit card customer allowed 6 1 and 2 2; 6 1 22 is allowed for a single loan customer and 12 1 42 is allowed for multiple credit card customers; Allow multiple loan customers 12 1, 4 2
Customers have outstanding farmer loans, which are not allowed to be overdue within half a year.
Credit information that is overdue continuously (such as1111112) will not be accepted.
9. Debt requirements:
20. 80% of the total credit card amount is not allowed to be used;
The number of RMB credit card accounts is 10, and 90% is not allowed.
Credit cards are not allowed for nearly three months.
If the actual repayment is inconsistent, the actual repayment shall be included in the liabilities.
If it should be zero, the calculation formula is: principal * 1.2/ period.
Take the smallest of the three values:
(1) monthly payment * repayment ratio multiple-non-mortgage loan monthly payment-credit card 10% (used in the last 6 months/highest value) > repayment this month.
(2) proof of income: income * 75%&; gt； Monthly 10% of all credit cards (used in the last 6 months/highest average).
(3) Net house value = total house value-principal balance (if the mortgage is proved to be recoverable, the loan principal shall be deducted)-balance of non-mortgage liabilities.
10. Mortgage loan products:
The mortgage repayment is 6 months, M 1 6 months 1 times, M 1 12 months for 3 times, with no record exceeding M2.
Repay the mortgage for 3 months: this mortgage loan (repayment for half a year, 6 N, can be a car loan/mortgage);
You can't have a credit loan in your name.
If the second mortgage (licensed mortgage) and the first mortgage of the same bank do not exceed 70% of the current house price, the second mortgage of the same bank will be treated as the first mortgage (if the mortgage customer group purchases the mortgage, it will only be counted as the first mortgage and cannot be superimposed).
1 1. Licensed mortgaged (mortgaged) products:
The repayment period is 6 months (repayment time) and the loan period (loan issuance period) is one year. In the last six months, M 1 has been used twice.
Pay the interest first and then the principal (monthly payment for credit investigation is 0): (principal 1.2) Number of overdue repayments.
Market value & Gt> 100 watt
Collateral: personal housing, commercial and residential dual-use, shops.
12. Commercial and residential uses:
The repayment has been more than 12 months, and it has been paid M 1 3 times in the last 12 months.
Collateral: commercial and residential buildings and shops (excluding office buildings and factories)
Related Q&A: Related Q&A: Can someone tell me something about BOC's consumer finance? BOC Consumer Finance, the full name of which is "BOC Consumer Finance Co., Ltd.", was established in June, 20 10, and was jointly funded by Bank of China, An Baili Group and Shanghai Lujiazui Financial Development Co., Ltd., with Bank of China holding 5 1%.
Imagine a scene: you want to buy a new Huawei mobile phone, the price is 4000 yuan, and you can choose to buy it in full. If you can't buy it in full, you can also choose to buy it with a loan and then repay it every month.
This kind of micro-loan based on consumption scene is consumer loan, which is characterized by small amount, fast approval, no mortgage guarantee and short loan period. A company that specializes in issuing consumer loans is a consumer loan company. BOC Consumer Finance is one of the first consumer finance companies approved by the former CBRC.
Consumption amount A company's profit model is very simple. It issues loans and charges interest. Generally speaking, the interest rate of consumer loans is higher than that of bank mortgage loans, which is basically around 10%.
In order to expand its business, consumer finance companies will cooperate with Suning JD.COM and other e-commerce platforms, travel agencies and training institutions to provide loan services to customers.
Pay attention to Pumbaa Financial Exchange for more financial information.