Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. So, is it easy to get a personal loan from a bank?

Is it easy to get a personal loan from the bank?

In fact, this question is quite general. You need to consider the bank's loan interest rate, loan threshold, loan amount, repayment method and other issues. After understanding the basic knowledge, you can choose the most suitable bank according to your personal situation.

For example, if your personal qualifications are not ideal, then you may need to choose banks with relatively loose application conditions, such as some commercial banks, joint venture banks and city commercial banks, which are relatively simple;

If you want to choose the loan bank with the lowest interest rate, several state-owned banks should be the first choice;

If you want a higher loan amount, you need to compare your own conditions before screening. Under the same conditions, commercial banks are more likely to be granted a larger quota;

In addition to these situations, the time of lending is actually a factor that applicants need to consider. Before applying, ask about the bank's regulations, which will help to find out the most suitable bank.

The personal loan process is as follows:

1. Application: The borrower holds valid identity documents and relevant information required by the bank, fills in the credit application form and applies for credit from the handling bank;

2. Examination and approval: investigate the borrower's credit status, conduct examination and approval according to procedures, and notify the borrower of the examination and approval results;

3. Signing: After the application is approved, the borrower and the credit agreement grant the borrower a credit line;

4. Payment: After obtaining the credit line, the borrower can apply to the handling bank for payment at any time, and the handling bank will release the loan to the borrower's personal account.

How about a bank loan?

Question 1: Is the bank loan good? Hello! Different loan products are different. For a simple example, personal credit loan () requires personal income, repayment ability and no bad credit record. Generally, the amount is low, and there are many other types.

Different products and different banks have different interest rates and related terms. I suggest you make a comparison among many banking institutions, so it is easier to find products with lower interest rates and higher quotas that are more suitable for you.

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Question 2: How to make a bank loan better? The characteristic of equal principal and interest method is that the monthly repayment amount is the same. In the distribution ratio of "principal and interest" of monthly payment, the interest paid in the first half of the year is large and the principal is small. After more than half of the repayment period, it gradually turns into a large proportion of principal and a small proportion of interest. The total interest paid is more than that paid by the average capital method. The longer the loan term, the greater the interest difference. However, because the repayment amount is the same every month, it is suitable for family expenditure planning, especially for young people, and the principal and interest method can be adopted, because income will increase with age or promotion.

The average capital method is characterized by different monthly repayment amounts. It divides the loan amount evenly according to the total repayment months (average capital), and adds the monthly interest of the remaining principal in the previous period to form the monthly repayment amount, so the repayment amount of the average capital method is the largest in the first month, and then decreases month by month, and the less the more. The skeleton total interest is less than the equal principal and interest method. However, this repayment method has a high repayment amount in the early stage of the loan period and is suitable for lenders with strong repayment ability in the early stage. The principal method can be used for the elderly, because income may decrease with age or retirement.

Question 3: Is personal loan good? You again. The two questions are of the same nature, and I have already answered them. Personally, don't touch it. You haven't eaten pork, but you always see the pig run away! Have you seen any related movies? What will happen to the borrower? Would you like to have a try? This is illegal.

Those so-called legal institutions in society also lend money to you from banks. They provide you with a mortgage and the bank charges them interest. Then he charges you interest and earns the interest difference. They want to check you, too. I can't borrow it if I want to. You must have a stable income, and the loan amount is related to your income level. Generally, physical mortgage is not needed. In addition, if you have collateral, you can go to the bank for a loan yourself.

To start a business and run a company, we must first sort out our own ideas, know how to operate and know everything about finance. You don't even know the loan business. Running a company is very dangerous. Look before you leap!

Question 4: Is it easy to get a bank loan now? What do you need? Basic rules:

1. Loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct, and the sum of the borrower's age and the loan term is not more than 60 years old; .

2. Loan amount: The maximum credit amount is basically unlimited.

3. Loan term: The loan term is generally 1 to 3 years (inclusive);

4. Loan interest rate: subject to the provisions of bank loan interest rate;

5. Guarantee method: the guarantee is mortgage, pledge, guarantee, etc., and the guarantee provided solely by a third party is not accepted.

6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

7. Application materials to be provided:

(1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse;

(2) Proof of the borrower's spouse's commitment to repayment;

(3) Production and business operation license, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;

(4) Proof of loan use (such as house purchase contract, etc.). );

(5) the tax payment certificate of production and business activities;

(6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of some people agreeing to mortgage (pledged) the owner and property;

(7) Collateral appraisal report issued by the appraisal department recognized by the bank;

(eight) other information required by the bank.

Processing flow:

1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. For the loan approved by the bank, after all the formalities are completed, the bank will transfer the loan to the personal settlement account designated by the borrower.

Question 5: Is it appropriate for bank loans to repay loans in advance? Under the method of equal principal and interest repayment, most of the repayment in the first five years is interest. Therefore, early repayment should be arranged in the first three years as far as possible, and the saving effect on interest will be more obvious. If you plan to repay RMB 654.38+10,000 yuan in advance, you will only calculate the accumulated interest paid in the remaining time according to the amount of your current remaining principal after deducting RMB 654.38+10,000 yuan.

According to the data provided by you, a rough calculation shows that by the end of April of 20 13, the accumulated repayment is more than RMB150,000, of which the interest is more than RMB 70,000, the principal is more than RMB 80,000, and the remaining principal is about RMB 290,000. If 654.38 million yuan is repaid in advance and the remaining principal is about190,000 yuan, the bank will recalculate the accumulated interest for the remaining 84 months190,000 yuan.

Personally, whether to repay in advance depends mainly on whether I have suitable investment channels to invest my own money in order to obtain the income higher than the loan interest rate. My portfolio income is above 20%, which is much higher than the interest of bank loans, so I will try my best to use bank loans for investment. If there is no suitable investment channel, then simply repay in advance. I hope I can help you!

Fuba sen 908740 187, an independent financial planner.

Question 6: Is the loan good? Is it dangerous? First of all, entrepreneurship requires investment, and investment itself is risky.

Loan investment is more risky. The risk is that if the landlord can't repay the bank's money, the bank will apply to enforce the landlord's collateral. Or you don't have a mortgage. If the loan is not repaid on time. Even if it is finally paid off, it will affect the landlord's personal credit information. I want to buy a house, a car or start a business with a bank loan in the future. It's impossible to sting. Personal credit information is common throughout the country. All banks are the same.

So I still advise the landlord to think it over before making a decision. Because honesty is also your capital. When you want to do something with integrity, if you lose integrity, money can't make up for the loss.

Question 7: What is the best way to repay the bank loan? If you plan to repay in advance, you must choose the average capital! Matching principal and interest means paying most of the interest and a small part of the principal first. The average capital pays most of the principal and a little interest first. Since the repayment is made in advance, it is definitely cost-effective to choose the average capital.

Let me give you an example. For example, a loan of 6,543,800 yuan will be paid off within 654.38+ 00 years:

Matching principal and interest (same monthly comprehensive repayment amount):

1 installment repayment is 1, 138.03 yuan, of which the interest is 545.83 yuan and the principal is 592. 19 yuan.

The installment repayment of 10 is 1, 138.03 yuan, in which the interest is 5 16. 10 yuan and the principal is 62 1.93 yuan.

The repayment in the first installment of 100 is 1, 138.03 yuan, of which interest 122.93 yuan and principal 1, 0 15.09 yuan.

Average capital repayment method (the monthly principal repayment is the same, and the comprehensive repayment amount decreases step by step)

1 installment repayment is 1, 379. 17 yuan, in which the interest is 545.83 yuan and the principal is 833.34 yuan.

10 installment repayment is 1, 338.23 yuan, including interest of 504.90 yuan and principal repayment of 833.34 yuan.

The repayment in the 100 installment is 928.85 yuan, of which interest is 95.52 yuan and principal is 833.34 yuan.

In other words, the average capital will give priority to your loan principal. The more principal you pay in advance, the less interest you bear later. If you plan to repay the loan five years in advance, it is much more cost-effective to choose average capital than equal principal and interest!

If you choose equal principal and interest, you will find that the money you have worked hard to pay back every month for several years is basically interest, and the principal is still a lot. When the interest is calculated by prepayment, it means that you are not cost-effective ... hope to adopt it!

Question 8: Compared with previous years, the loans of banks in China have increased a lot. Requirements, conditions and processes are as follows:

I. Borrower's Conditions A borrower applying for a personal small short-term credit loan shall meet the following conditions:

1. China citizens with permanent residence in China, permanent residence (or valid residence certificate) in local towns and full capacity for civil conduct;

2. Have a proper occupation and stable economic income (monthly salary income should be above 1 000 yuan), and have the ability to repay the loan principal and interest on schedule;

3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;

4. Abide by laws and regulations, and have no illegal acts and bad credit records;

5. Open a current savings account with China Bank;

6. Sign an agreement with the lender to deduct the loan from its current savings account;

7. Other conditions stipulated by the lender.

Two. Loan term and interest rate

(1) The term of personal small short-term credit loan is less than 1 year (inclusive).

(2) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.

(3) The starting point of personal small short-term credit loans is 2,000 yuan, and the loan amount is no more than 6 times of the borrower's monthly salary, with a maximum of 20,000 yuan.

(four) personal small short-term credit loans are generally not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.

Three. When applying for a loan, the borrower shall provide the following information to the lender:

1, loan application approval form;

2. My valid ID.

Support target: young people under the age of 40 who start their first business; Small and medium-sized enterprise loans for young entrepreneurs under the age of 40 to start their second business.

Loan amount: the per capita single loan amount is generally within 6,543,800 yuan, and the highest is 6,543,800 yuan; For small and medium-sized enterprises founded by young people, the loan amount is generally less than 5 million yuan, with a maximum of 30 million yuan; The loan period is generally not more than 3 years.

Loan interest rate: Preferential interest rate will be implemented for projects that are included in the provincial, prefecture (city) and county credit platforms. The interest rate of small loans under the lending model is determined by the development bank and local cooperative banks, and the interest rate of entrepreneurial youth loans with good credit records is preferential under the same conditions.

Question 9: Is the shorter the bank loan, the better? A long time. Interest will naturally increase.

The people at the bank were right, too. You can pay it back in advance if you have money.

But what he didn't tell you is that prepayment means paying off all the remaining balance in advance, not paying more every month.

For example, if you pay 2000 yuan every month, and then pay it back for ten years, there will still be a principal of 654.38+0.5 million. If you want to repay in advance, you have to pay off the principal of 6.5438+0.5 million in one lump sum. Although you only calculate the interest for ten years, the interest is higher, so you still have to suffer.

So I suggest that if there is enough evidence to prove that the fixed number of years is the negligence of the bank staff, then you should consult them to solve it. After all, it's about your vital interests.

Question 10: Can I borrow100000 from the bank now? It depends on your conditions.

Is it okay for an individual to go to the bank for a loan? If they meet the requirements, they can get the money.

Many people will choose bank loans when they are in urgent need of money, so can individuals go to the bank for loans? What are the conditions for applying for a loan? Let's talk about how individuals apply for loans in banks and what they need to pay attention to in the process. Let's take a look together.

In fact, it is relatively easy for individuals to apply for loans in banks, as long as they meet the conditions stipulated by banks, they can get money. Generally, you need to consult the bank before handling the loan to understand the loan conditions that the bank needs. Different loan types here require different loan conditions.

When handling a loan in a bank, it is generally required that the borrower 18 years old or above, has full capacity for civil conduct, and submits a work certificate, a loan application, a marriage certificate, a bank account, etc. If you apply for a mortgage loan, you need to submit a collateral certificate, and the bank will find a third-party agency to evaluate it and finally give the loan amount.

The basic procedures for individuals to apply for loans in banks: application, approval, signing, lending and repayment; In order to get a loan smoothly, the more information users submit, the better. When a bank lends money, it mainly examines the repayment ability and the credit information of the borrower. As long as these two items meet the requirements, you can usually borrow money.

Users must repay the loan on time after handling it, and there can be no overdue repayment. After all, there will be penalty interest for overdue repayment, and the longer it is delayed, the more penalty interest will be generated. Overdue repayment will also affect personal credit information. If personal credit information deteriorates, subsequent handling of various loans will be restricted.

Users had better think about their repayment plan before handling the loan. Generally, they only borrow when their personal income is relatively high. If their personal income is relatively small, they should avoid borrowing at this time. In fact, when individuals have difficulties in repayment, users can borrow money from friends around them to avoid overdue repayment, but they should return it to their friends in time after borrowing.

Can an individual go to the bank for a loan?

It depends on whether the individual meets the loan conditions of the bank. In general, personal loans need to meet the following conditions: 1, 18 years old or above, and a natural person with full civil capacity. 2. Have a stable job and a stable income, and provide relevant income certificates. 3. Provide bank running water. In general, the bank's running water needs to be more than twice the monthly repayment amount. 4. The borrower's credit record is good. 5. Other loan conditions stipulated by the bank. If everyone is satisfied, the loan is still very easy.

The following is a detailed introduction to the loan procedures:

1, apply. According to the requirements of the bank, the borrower provides relevant loan materials and applies to the bank.

2. Loan approval. At this stage, the bank will examine and approve the materials applied by the borrower to confirm the accuracy of the materials. And check personal credit records for stains.

3. Sign a loan contract. The bank and the borrower sign the corresponding loan contract, and determine the repayment method and repayment period.

4. Issue loans. The bank issues loans to the borrower, and the borrower repays according to the contract.

Note: 1. When an individual borrows money from a bank, he must ask the bank's loan interest carefully. After that, the borrower will choose the repayment method that suits him according to his own situation. 2. When making a loan, you must consider your own economic ability and avoid the situation of cutting off the supply in the middle. 3. In the process of bank loans, banks will attach great importance to personal credit records. If personal credit is tainted, it is very difficult to get a loan in a bank.