First, the formal company loan conditions
1. If you don't have a job, there are two ways to apply for a loan: one is to borrow in the name of relatives and friends. Or use your property as collateral to get a loan;
2. If you have a stable job and income. Generally speaking, this kind of loan application requires you to have a stable job and income, as well as a good credit status. Just put your monthly salary in (or deposit it in a bank account every month), and you can borrow 5- 10 times of your monthly income. If you are a civil servant, you can borrow more.
3. Apply for unsecured loans, that is, personal credit loans. Although the loan does not need any mortgage or guarantee, the borrower must have a stable job and income when handling it, and the income level must meet certain standards of the bank. At the same time, the individual has no bad credit record and can only handle it if these basic conditions are met.
2. Which bank loans can you choose?
If the capital turnover is not enough, you can choose loans, so there are many banks that can lend.
1. State-owned banks. If the loan cost is low, it is recommended to go to state-owned banks, because the interest rate is relatively low, but the application threshold is high and the service attitude is not as good as that of joint-stock commercial banks.
2. Joint-stock commercial banks. There are many domestic outlets, good service attitude and many products. Most users choose these banks, which are easy to apply and fast to lend.
3. City commercial banks. In fact, local city commercial banks also have some high-quality credit products, which need to be understood according to their own situation.
To sum up, most people's funds will not turn around, so choose a formal platform for loans, otherwise there will be unnecessary trouble, and after the formal platform loan is completed, you must pay it off within the overdue period, otherwise it will affect your credit history.