The consumption loan of Changsha Bank requires stable income, good credit, effective guarantee and a settlement account in Changsha Bank.

(1) A natural person with full capacity for civil conduct;

(2) having a stable economic income and the ability to repay the loan principal and interest on time;

(3) It has a good credit status and no bad credit record;

(4) Being able to provide the guarantee method recognized by the bank;

(5) Open a personal settlement account with our bank.

Treatment process

Changsha Bank's consumer loan process is divided into four steps: customer application-investigation and approval-contract signing-loan issuance.

(1) customer application: the customer applies to our bank and submits relevant materials;

(2) investigation and approval: the account manager investigates the borrower's situation and approves it according to the procedure;

(3) Signing a contract: after approval, the borrower signs a loan contract and a guarantee contract with the handling bank, and goes through the mortgage and pledge registration;

(4) Lending: after the guarantee procedures are completed, the loan will be paid to the borrower's account or transferred to the relevant payee's account according to the borrower's entrustment.