Xintai includes China Bank, China Agricultural Bank, China Industrial and Commercial Bank and China Construction Bank. The main banks are located in the north-south main road and the east-west road centered on the TV tower (two roads leading to Ginza and Qingyun Building), and the Bank of Communications seems to be on the way to Ginza.
Almost every bank in China can borrow money, but the loan interest is different.
The basic conditions for a loan in Xintai Bank are: the applicant 18 years old, and the upper limit of the loan age is generally 55 years old or 60 years old; The applicant has a stable income and can repay the loan principal and interest on time; The applicant's credit report is good and there is no bad credit record in the credit report. Meet the above basic conditions, users can apply for bank credit loans. To apply for other types of loans, you need to meet some specific conditions.
For example, mortgage loans need collateral, secured loans need guarantors, and loan users need to have fixed business premises.
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Loan process:
1, loan application. Borrowers apply for loans from local banks. In addition to applying for small loans in rural areas, relevant information is required when applying for other types of loans.
(1) Basic information of the borrower and guarantor;
The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;
(3) Rectification of original unreasonable loans;
(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;
5] Project proposal and feasibility report;
(6) Other relevant information deemed necessary by the Bank.
2. Credit rating evaluation. The bank evaluates the borrower's credit rating.
3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.
4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.
5. sign a contract. The bank signs a loan contract with the borrower.
6. Loan issuance. The bank issues loans on schedule according to the loan contract.
7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.
8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.