Changyin 58 Consumer Finance is established by three listed companies, namely Changsha Bank, 58 Tongcheng and Tongcheng Holdings, and has a consumer finance license issued by China Banking and Insurance Regulatory Commission, China. Therefore, the reliability and formality of Changyin 58 consumer loan need not be questioned too much. At present, the maximum amount that can be applied for the opening of this slot is 200,000 yuan, and the service period can be divided into 12-24 months. In fact, this slot still requires high personal qualifications. If you are a formal employee of civil servants, institutions, state-owned enterprises and listed companies, it will be better to apply for the exam. In addition, it is also necessary to meet the application conditions of being between the ages of 20 and having excellent personal credit information.

First of all, there are many kinds of personal loans. Here, we only classify whether there is collateral, including mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two kinds of loans:

1. Unsecured credit loan, referred to as credit loan, is a kind of pure credit loan issued by banks to individual customers according to the nature of the company, paid wages, social security accumulation fund, etc. A concept of consumer loan will be derived here. Of course, there is no direct difference between these two concepts.

2. Mortgage loan mainly refers to housing mortgage loan and, of course, vehicle mortgage loan. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans. Under normal circumstances, the amount of mortgage consumer loans will not exceed 654.38+0 million. Mortgage refers to applying for a loan with personal housing for company operation. As the name implies, a company is required to be established in its own name or in the name of immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage loan can also be divided into first mortgage and second mortgage with or without mortgage, that is, mortgage, which is called second mortgage. Let's take a look at the operation of mortgage commercial loans:

Valuation: The appraisal agency estimates the loanable amount, interest rate and service life according to the housing cost. Face-to-face, face-to-face in the bank. Need to provide room books and other related materials. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registering a company. Of course, it also depends on the specific requirements of the bank. Bank loan approval, mortgage and notarization on the house book after loan approval, and the loan is completed.