First, there must be considerable income. How about your income? It means that your repayment ability is directly proportional to your income, and the stronger it is. If your income is low, I'm afraid it's difficult to apply for a successful loan. Look at my nickname.
Second, in the eyes of lending institutions, what jobs are awesome? Doctors, teachers, civil servants and employees of state-owned enterprises are all very powerful jobs, and the number of such workers will be higher than that of ordinary people because their jobs are relatively stable. Look at my nickname.
Third, your quota. Although there is no need to provide collateral, if you can provide collateral or provide good proof of property, you can not only successfully apply for a very high amount. Because even if you can't repay the loan on time in the future, the lending institution can go to your guarantor or mortgage your property. Look at my nickname.
Second, the difference between a company and a bank.
The difference between a company and a bank is: 1, the loan cost is different, the review process is simple, and the loan conditions are loose, which invisibly increases the lending risk of small loan companies. And high risk often means high fees. Compared with bank loans, people who borrow from small loan companies often have to pay higher loan costs. Companies and banks charge different loan interest, because the company only loans without saving, and the operating cost and loan risk are high; 2. The lending speed is different. Due to the relaxed application conditions, the review process of small loan companies is relatively simple. Higher efficiency allows you to bid farewell to unnecessary waiting and get loans easily in a short time; 3. Different application thresholds are influenced by traditional concepts. Banks still have a soft spot for mid-to-high-end customers and favor people with strong repayment willingness and ability. Good credit is a must, and stable income is also an indispensable application threshold. At the same time, in order to ensure the authenticity of the borrower's income, the bank only accepts those who can pay by card and provide running water to the bank, and almost dares not issue unsecured loans to those who pay by cash, so as to control the lending risk to the maximum extent. Legal basis: Law of the People's Republic of China on the People's Bank of China Article 28 The People's Bank of China may decide the amount, term, interest rate and method of loans to commercial banks according to the needs of implementing monetary policies, but the loan term shall not exceed one year. Article 30 The People's Bank of China shall not provide loans to local governments and government departments at all levels, and shall not provide loans to non-bank financial institutions and other units and individuals, unless the State Council decides that the People's Bank of China may provide loans to specific non-bank financial institutions. The People's Bank of China shall not provide guarantee to any unit or individual.
3. What's the difference between a regular company in Yantai and a bank loan?
Companies are a supplement to banking institutions. Borrowers have the characteristics of short frequency and fast loan cycle. Borrowers have frequent loan demand and require rapid allocation, but the interest rate is higher than that of banks.
Fourth, are citizens' electronic goods formal?
Ordinary. "Citizen e-loan" is a personal online loan product launched by Yantai Bank, with a maximum amount of 200,000 yuan and a minimum annualized interest rate of 5.4%.
Yantai Bank's "citizen e-loan" business has many advantages, such as the whole bank, small amount, short process, easy operation and wide coverage. In terms of market positioning and loan application process, it can better meet the characteristics of "demand scene, small loan amount, high frequency of credit use, all-weather service and universal customer base" presented by current customers' financial service needs.