1. Where can I get personal loans in Lijin County, Dongying City?
1. Loan platform. 2. Bank loans. 3. Private loans. Personal loans, also known as retail loan business, have become an important loan business after decades of development. Personal loans refer to loans issued by banks or other financial institutions to natural persons who meet the conditions for personal consumption, production and operation loans. When a lender issues a personal home loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan when due, the lender has the right to dispose of its mortgage or pledged property in accordance with the law, or the guarantor shall bear joint and several liability for the repayment of the principal and interest. : 1. Personal loans refer to principal loans provided by lenders (general commercial banks) to individual consumers or households for personal consumption, production and operations. The loan interest is stipulated and the principal and interest are agreed to be repaid on schedule. They are used to purchase self-occupied housing, Consumption or small investment operations. Personal loans offered by banks are different. 2. Characteristics: 1. High interest rates; 2. The scale is cyclical; 3. Borrowers lack interest rate flexibility. 3. Type: personal housing loan; personal loan; 4. Personal housing commercial loan is a self-operated loan issued by bank credit funds. Refers to a housing commercial loan that a natural person with full capacity for civil conduct applies to a bank for a housing commercial loan using the purchased property property as collateral when purchasing a self-occupied urban home in this city, as a guarantee for repayment of the loan. 2. Personal housing provident fund loans Personal housing provident fund loans are entrusted loans issued by the policy housing provident fund. It refers to the housing provident fund loan that employees who pay housing provident fund apply to banks for when purchasing, constructing, renovating, or overhauling their own houses in cities and towns in this city, using their property rights houses as collateral as a guarantee for repayment of the loan. 3. Personal housing portfolio loan Borrowers who meet the conditions for personal housing commercial loans and pay housing provident funds at the same time can also apply for personal housing provident fund loans from the bank while applying for personal housing commercial loans, that is: the borrower purchases in this city If the self-occupied house in the city is used as a mortgage, you can apply for a personal housing provident fund loan and a personal housing commercial loan from the bank at the same time (this type of loan is referred to as a personal housing portfolio loan). 2. Personal car consumption loan 3. Personal durable consumer goods loan 4. Personal business loan 5. Personal documents 6. Personal micro-credit 5. Personal micro-credit is unsecured RMB issued by banks or other financial institutions to borrowers with good credit. credit. Depending on personal credit and repayment ability, the amount generally does not exceed 100,000-200,000, and the loan term is 1-2 years. 6. Personal non-residential mortgage loan: 1. Installment loan 2. One-time loan 3. Credit card loan: Credit card refers to any card, disk and other instruments that can be used repeatedly at any time to borrow money or purchase goods and services in the form of credit. .
2. Dongying personal loan? How to get a loan?
─━│┃┄┅┆┇┈┉┊┋┌┍┎┏┐┑┒┓└Ping An Yida Business Loan Co., Ltd. Dongying Branch of the company
138==No fees if the interest is not successfully deducted from the flat payment
Big brands are trustworthy!
Mobile phone number: 138==Ping In our city, we work together with banks to launch personal corporate credit loans, ranging from 10,000 to 150,000, with 3 days of disbursement, no mortgage, no guarantee, and no handling fees.
You can apply if you meet the following conditions:
Have Chinese nationality.
Age 21-55 years old.
Office workers must have worked or lived in the place of application for no less than 6 months; have a stable career and a monthly income of no less than 3,000 yuan.
Private owners must have been registered with the industry and commerce for one year; their monthly income from public or private business is more than 20,000 yuan.
The property owner has commercial property in the application area or is one of the *** residents.
Have a good credit record.
Apply for a small credit loan without collateral or guarantee. The threshold is low, the procedure is simple, the application is fast, and there are no handling fees. If you have all the information and cooperate with the review and loan procedures, "application-review-signing-loan" can usually be completed in about 2-4 days. With good credit standing, the monthly interest rate can be as low as 1.3 (in the range of 1.3-2.3).
Process:
The applicant submits personal certification materials and fills in the application information
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The bank inquires about the applicant’s registration status at the central bank Letter record
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Approval
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Applicants bring original documents for review and sign a formal contract
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Cooperating bank review and loan release
The entire process will take about 2-4 working days to release the loan.
Our city phone number (Manager Zhang) 138==Mobile Reasons for choosing us: 1. There are no fees before and after bank lending, 2. Rapid approval and fast lending, 3. Strict confidentiality, 4. Corporate loans No favors owed, 5. Big brand, trustworthy.
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3. What are the loan conditions of Dongying Rural Commercial Bank?
1. Have the ability to repay principal and interest on schedule. The original loan interest payable and due loans have been basically repaid; if they have not been repaid, a repayment plan approved by the lender has been made.
2. Except for natural persons and institutional legal persons that do not need to be approved and registered by the industrial and commercial department, annual inspection procedures should be completed by the industrial and commercial department.
3. Rural areas have opened a basic account or general deposit account with a loan cooperative, and retain a certain amount of payment deposit in the account; voluntarily accept the credit and settlement supervision and inspection of the loan cooperative, and can guarantee Regularly submit business plans and related business and financial statements to the lending agency.
4. Anyone applying for a guarantee or mortgage loan must have a loan guarantor, loan collateral or pledge that meets the regulations. The loan guarantor must be an enterprise or economic entity that has a deposit account in a rural credit cooperative and has good economic benefits and credit standing. Loan collateral must comply with the "Guarantee Law of the People's Republic of China" and relevant laws and regulations. In principle, it should be mainly real estate (such as houses, land), must be commercial, and be easily liquidated.
5. The asset-liability ratio of rural credit cooperative borrowers shall not be higher than 70.
6. When applying for loans for fixed assets, real estate and other projects, the lender’s owner’s equity and self-raised funds ratio must meet the requirements stipulated by the State Council. At the same time, a complete, standardized, and complete application must be submitted in accordance with the requirements of project management. Valid documentation.
7. Except as stipulated by the State Council, the cumulative amount of external equity investments of limited liability companies and joint stock companies shall not exceed 50% of their net assets.
8. Rural credit cooperative borrowers must apply for loan cards in accordance with the regulations of the People's Bank of China and undergo annual inspection procedures as required.
4. How to repay a provident fund loan early
You have repaid the loan for one year. After repaying the early repayment, the principal amount of your loan will be The monthly repayment cannot be returned to you, and the same is true for interest. After early repayment, you will also be charged for early repayment liquidated damages (the proportion is stated in your loan contract)