1. The applicant is between 18 and 65 years old and is a legal citizen of People's Republic of China (PRC);
2. The applicant has full capacity for civil conduct and good credit;
3. The applicant should have repayment ability and stable income;
4. The applicant has a stable job and can provide proof of the unit.
The above is 300 thousand. What are the requirements?
How much can I borrow?
What are the requirements for 300 thousand? There are the following four points.
Because there is no collateral, the loan amount is generally not as high as the mortgage loan. If you apply in a bank, it is basically 2 to 10 times of the borrower's monthly income, which depends on the borrower's comprehensive qualifications and is also related to the local economic situation. The maximum loan amount of most banks is 500 thousand.
If you apply for a lending institution, different lending institutions apply for different loan quotas. Usually go to some formal large-scale lending institutions to apply, and the loan amount will be higher. If you borrow from some small loan companies, the amount you can borrow naturally will be less. Judging from the application results, applying to a lending institution can basically borrow about 654.38+10,000 yuan, and some can borrow up to 300,000 yuan.
Can the loan car be mortgaged?
What are the requirements for 300 thousand? There are the following four points.
Loan cars can apply for mortgage loans, but it will be more troublesome to apply for mortgage loans for cars that are still repaying loans. It is best for borrowers to communicate with lending institutions first to see if they can apply for mortgage loans in this situation, and if so, what materials need to be prepared. Vehicles that are still repaying loans want to be mortgaged, and vehicles that need loans still have room for refinancing. This needs to be evaluated by relevant departments. After the evaluation, the loan amount that the borrower can apply for is determined according to the value of the vehicle, and a loan contract is signed with the borrower.
If the vehicle is not my own, you can also apply for a mortgage loan, but you must obtain the consent of the owner. However, the vehicle that is still being repaid is not the owner himself, and some lending institutions may not accept loan applications for risk control reasons. After the loan is successfully handled, the borrower must remember to repay the loan according to the contract requirements to avoid the influence of overdue on personal credit. If the borrower is overdue for too many times, the lending institution has the right to terminate the loan contract in advance.
How many times can I borrow an apartment mortgage?
What are the requirements for 300 thousand? There are the following four points.
How many times can I borrow an apartment mortgage? This is uncertain. In fact, there is no limit to the number of times, but you can't borrow it as many times as you want. But if an apartment has a loan, it can be mortgaged again, as long as the apartment is valuable and all the conditions are met. Of course, the amount that can be loaned by the secondary mortgage is naturally lower. This article mainly talks about what conditions are needed for 300,000 yuan, and the content is for reference only.
How much is the bank's 300 thousand three-year interest?
Bank interest of 300,000 yuan for three years 3 1.500 yuan. According to relevant information, the annual interest rate of the bank is 3.5%, the interest is equal to the principal multiplied by the deposit period multiplied by the interest rate, the three-year interest is 300,000 times 3 times 3.5%, and the interest is 3 1.500 yuan.
What are the requirements for 300 thousand
1. Applicant 18-65 years old, with a second-generation ID card; 2. The applicant has full capacity for civil conduct and good credit status; 3. The applicant should have repayment ability and stable income; 4. The applicant has a stable job and can provide proof of the unit.
To put it simply, you can apply for banking business as long as you have a stable job income and there is no problem with credit information. As for whether the application is successful in the end, the bank will make a comprehensive evaluation of the applicant. Before applying for a loan, it can pay off other loans in its own name, even if it is not overdue, so as to reduce its debt ratio.
Extended data:
application document
1. Business license, organization code and tax registration certificate of the loan applicant. Identity card of the legal representative;
2. The account opening permit of basic account, the loan applicant;
3. The company account flow of the loan applicant in the last year and the personal bank flow that can reflect the operation of the enterprise;
4. Office land lease contract or ownership certificate;
5. The loan applicant's business premises rent invoice, utility bill and property fee bill (any one is acceptable) in the last month;
6. The recent rent receipt of the loan applicant or the utility bill of the individual residence;
7. The tax payment certificate of the loan applicant in the last 3 months (tax payment certificate issued by the tax bureau, or detailed tax account, or business tax and value-added tax invoice can be provided);
8. Business license for special places (industries that need franchising must provide it, such as hygiene license, road transport business license and special industry business license);
9. Recent commercial contracts and orders.
Conditions to be prepared
The first step of the loan preparation procedure
Without guarantee, China nationality is required (excluding Hongkong, Macau and Taiwan Province residents);
At the same time, you must be at least 25-55 years old;
Current address must be 6 months, and local work must be 6 months;
At the same time, the most important thing is that the credit card repayment record is good and there is no overdue at present. If you are an office worker, you have to work in your current unit for 6 months.
The second step of the loan preparation procedure
First, the applicant fills in his contact information online and sends the relevant materials to the new loan by mail or fax;
Secondly, the relevant bank will have a special customer service to contact the applicant after receiving the applicant's information; Finally, the applicant submits the relevant materials to the door for approval by the bank. After approval, the bank lends money.
As long as your materials are complete, you can get the account as soon as 1 day.
Bank application process
(1) Provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information; (2) Provide stable address, housing lease contract, utilities, property management and other related information;
(3) provide a stable source of income, bank running list, labor contract, etc.
I am 18 years old this year. If I want to start a business, I have to borrow 300 thousand from the bank. Is it okay without collateral?
Hello, generally speaking, the basic conditions for personal loans are as follows:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.
If you need money urgently, you can also consider online lending. I suggest you choose a big brand loan, with transparent interest and fees to ensure your information security. It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.
I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.
This concludes the introduction of whether the loan of 300,000 yuan can be unsecured and whether the bank loan of 300,000 yuan needs mortgage. I wonder if you have found the information you need?