In fact, banks basically don't deal with those so-called, if it's less than 20 thousand, you can get it with a credit card. General loans are for individuals with business contacts or enterprises with project plans and development prospects! You can think that the approval procedures for loans of 20,000 yuan and 200 million yuan are the same. Your approval of 20,000 yuan is only reported to branches, head offices and banking regulatory bureaus. These materials and labor costs are higher than the interest costs charged!

Second, is it difficult to get a personal loan in Bank of Ningbo?

Personal loans in Bank of Ningbo are not difficult. As long as you meet the loan conditions, you can apply for a loan in Bank of Ningbo. Take Bank of Ningbo as an example, the conditions are as follows:

1, with People's Republic of China (PRC) nationality;

2. Be at least 18 years old and have full capacity for civil conduct, and be under 65 years old when the loan expires, and have full capacity for civil conduct;

3, stable occupation, with the ability to repay the loan principal and interest on schedule;

4. Have a legal and valid identity certificate and a fixed residence;

5. Good credit status;

6. Provide effective pledge recognized by the bank;

7. Meet other conditions stipulated by the bank.

Extended data:

Interim Measures for the Administration of Personal Loans Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

Article 14 The loan investigation includes but is not limited to the following contents:

(1) Basic information of the borrower;

(2) the income of the borrower;

③ loan purpose;

The repayment source, repayment ability and repayment method of the borrower;

(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral and liquidity.