If you need to apply for a small loan, it is recommended to choose a bank channel.
If it is less than 50,000 yuan, you can log in to China Merchants Bank's mobile banking first, and click "My"-"All"-"I want to borrow money" to try to apply through this interface; Or you can apply for a loan by credit card: log in to Pocket Life and click Card Finance-Reserve Fund-Apply Now below to try to apply for a reserve fund here, depending on the audit results.
Second, the second-hand housing loan, the mobile APP shows that it is ready to lend money, can it be transferred? Which means it's approved.
Which software made it? This is not easy to tell! You'd better have an agent to do it with you. There is a good chance of success. Don't waste your mind.
Third, what loan software has a high success rate?
There are mainly the following types: 1. Quick loan home. 1) Fast Loan House This mobile loan software is actually a comprehensive platform for multi-minute loan products, mainly including fast loans, cash buses, provincial loans and other loan platforms. Borrowing platforms such as quick loans and saving money are widely loved by users, which shows that the mobile phone loan integration platform is still good. 2) It can be seen that the fast loan house is relatively civilian, with high loan success rate and fast loan speed. Its biggest feature is that it is a comprehensive platform for loan products, and users can choose appropriate loan products according to their own loan needs. 2. China Merchants Bank's lightning loan 1) China Merchants Bank's lightning loan is a loan software launched by China Merchants Bank for China Merchants Bank's one-card customers and enterprises that are using China Merchants Bank's pos equipment and have daily business in China Merchants Bank. Customers invited by China Merchants Bank can download app through mobile banking or online banking. 2) The lending speed of China Merchants Bank's lightning loan is particularly fast, which is basically one minute. Because the lightning loan is aimed at the high-quality customers of China Merchants Bank, its loan amount is relatively high, with a maximum loan of 500,000. 3. excuse me. Lending Bao is a mobile phone loan software launched by Alibaba. Like lightning, it's a one-minute loan. : 1, loan (electronic receipt credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. 2. The legal content of the pre-loan investigation is: 1) Review the legal status of the borrower regarding its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification. 2) Regarding the credit status of the borrower, check whether the registered capital of the borrower is suitable for the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. 3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; 4) Regarding the guarantee, the qualification, reputation and performance ability of the guarantor should be examined. 3. The loan review suggests that every loan should be carefully reviewed, and the risk judgment of the loan should not be based on the past review or credit. Just because the borrower repaid the principal and interest on time in the past, the review or investigation procedures should not be relaxed. 4. Establish a fixed-term appointment system for the legal representative of the borrower and its main management personnel. The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly.