Application methods There are two ways to apply for Souidai: online and offline. 1. Submit an application online. Borrowing users can select the corresponding loan product on the loan page of the Souidai website and fill out the loan application online. After the application is submitted, the reviewers will complete the review and approval within 48 hours and give the review results. 2. Submit information offline. Borrowers who are at the home purchase site can choose to submit relevant materials on-site, which will be entered offline by staff, and then reviewed and approved by reviewers. They can also obtain Souidai review results within 48 hours.
Application conditions 1. Aged 21 to 60 years old (age at the time of application + loan period ≤ 60 years old) 2. Mainland Chinese citizens holding Chinese resident identity cards 3. Average monthly income of 3,000 yuan 4. Local residence The period of experience is not less than 6 months. 5. The local work/business period is not less than 1 year.
Application materials 1. Identity documents: Chinese resident ID card; resident household registration book; 2. Address proof documents: three Monthly utility payment slips; house rental contract; proof of residence, etc.; 3. Income certification documents: six months of personal bank statements; social security payment records, etc.; 4. Credit certification documents: complete credit report from the People's Bank of China within two weeks; 5 .Self-employed persons need to provide relevant business materials; 6. Other various credit-enhancing materials to improve credit, such as real estate certificates, time deposits, stock account information, etc.;
Application process 1. Fill in the quota quick test and search Yidai Credit Line Quick Test performs a quick credit limit assessment, estimates the amount and years of loanable items in real time, and helps you make decisions about purchasing a house in a timely manner. 2. Loan application: Fill in the complete loan application information and submit it. Souidai will help you review the materials and issue the loan limit as soon as possible. If you have any questions during the period, Souidai customer service staff will provide you with one-on-one service. 3. Bidding and fundraising. After you confirm the loan amount and term and are ready to buy a house, Souidai will immediately arrange bidding and fundraising for you. 4. Loans with full bids. More than 90% of the bids will be full on the same day. After the bids are full, Souidai will lend you the loan as soon as possible. The entire process can be completed within 1 day at the earliest. 5. Repay the loan on time. After receiving the loan, please complete all procedures for purchasing the house in time. Sooyidai will send you regular reminders every month thereafter, asking you to repay in time. 6. Loan settlement In addition to monthly repayment of the loan, Souyidai also provides early repayment services according to your financial situation. You can choose to settle in advance or partially repay in advance.