Personal small guarantee insurance loan (hereinafter referred to as "Jie Bao loan") refers to the loan for personal legitimate consumption purposes issued by borrowers who meet the loan conditions and purchase personal consumption credit guarantee insurance in insurance companies. The longest loan period is 3 years, and the starting point of the loan amount is 6,543,800 yuan, and the highest is 6,543,800 yuan.

1, with a wide range of loans. Individual customers who have a fixed residence or a stable work unit in the local area can apply;

2. Loans can be used for many purposes. Can be used for a variety of personal consumption purposes except buying a house;

The loan procedure is simple. You don't need a mortgage. You can apply for a loan on the same day at the earliest.

How to choose the loan correctly;

1. Loan interest rate discount

For example, when buyers apply for mortgages, the first thing to compare is the discount of loan interest rates of various banks. At present, the benchmark interest rate for loans over five years stipulated by the central bank is 4.9%. In different cities, different banks can set different interest rate discounts according to specific conditions.

2. Priority threshold

The loan threshold of each bank is different, and the preferential threshold is naturally different. Some banks will require lenders to deposit a certain amount in the bank, or the proportion of the loan amount to the total house payment. , to give the loan applicant a certain interest rate concessions. At this time, it is best for buyers to do their homework in advance and understand the regulations of various banks. Especially when buying a second-hand house, you should pay more attention. Some banks may require that the age of second-hand houses applying for loans should not exceed 20 years, or even 10 years.

3. Adjustment method

At present, the main interest adjustment methods followed by banks are: the next year's interest adjustment and the monthly interest adjustment. Next year's interest adjustment means that after the central bank announced the adjustment of loan interest, banks can start to implement it from the next year's date of 65438+ 10/,while the monthly interest adjustment requires the implementation of the new benchmark interest rate from the month after the central bank adjusted the interest rate. There is also a fixed interest rate, and some banks can stipulate that the interest rate will not be adjusted with the provisions of the central bank when signing a contract with the applicant. Different banks have different regulations on the above three interest rate adjustment methods.

4. Repayment method

The repayment method of average capital saves more interest, but the repayment pressure in the early stage is slightly higher and the pressure in the later stage is getting smaller and smaller. It would be better if the bank can let you choose the repayment method according to your actual situation when applying for a loan. In addition, in real life, many people will eventually repay in advance, so when lending, buyers must first understand the bank's requirements for prepayment, and some banks may charge a certain penalty for prepayment.