If they are all satisfied, mortgages and guarantees are generally needed when applying for loans.
Details can be verified with the personal loan manager of the loan handling bank. Please click this link/,select provinces and cities, and inquire about the contact numbers of relevant branches of the Bank and other detailed information.
Loans include consumer loans, housing loans and commercial loans. General loans need mortgage or guarantee.
The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets. If you want to know the current benchmark loan interest rate information, please open China Merchants Bank/Home Page and find the loan interest rate on the right.
Equal repayment of loan principal and interest refers to the borrower's equal repayment of loan principal and interest every month during the loan period (that is, the total monthly repayment amount remains unchanged, in which the principal part increases month by month and the interest part decreases month by month).
The average capital repayment method refers to the equal repayment of principal every month during the loan period, and the calculation method of interest is to multiply the remaining principal every month by the monthly interest rate. (that is, the monthly repayment principal remains unchanged and the interest decreases month by month, so the total repayment amount decreases month by month).
The difference between the equal (principal and interest) repayment method and average capital repayment method: under the condition that the national benchmark interest rate remains unchanged, the total monthly repayment amount of equal repayment remains unchanged, which is convenient for you to remember, in which the principal part increases month by month, the interest part decreases month by month, and the repayment pressure is relatively small; The total monthly payment of average capital decreases month by month. At first, the repayment principal will be more, and the repayment pressure will be greater, but the overall interest will be less than the former. Which specific repayment method is good, I suggest you choose according to your own situation.
The details of the loan need to be verified in detail with the personal loan manager of the loan handling network.
If you have any other questions, please visit "Online Customer Service" (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!