The quota of ICBC's online loan e-lending platform is evaluated irregularly by the system, so it may increase or decrease. If the loan amount decreases, it is not because of the amount.

Because from the standpoint of the loan platform, borrowers are encouraged to borrow more, the loan platform can lend more in full, and the interest charged by the loan platform will be more. The borrower is also contributing to the platform, and the loan platform is too late to be happy. Not only may it not reduce the quota, but it thinks that the existing quota does not meet the needs of borrowers, and it will also increase the loan quota.

It is suggested that the borrower lend moderately, and it is best not to repay it with the loan, and choose the appropriate loan amount according to the actual demand. If there is demand for mortgage and car loan after the loan, the repayment ability can be fully released.

Second, Guangdong Dongguan loan

It is suggested to find a family member to gather together, and then consult with the rural credit cooperative or postal savings bank in your hometown. I guess it's almost the same, otherwise it will be more troublesome.

The general loan process is that you submit personal loan requirements and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant and arranges a special person to contact the loan applicant. If the contact person passes the preliminary examination, then guide the loan applicant to provide the required materials, and then finally issue the loan.

General loan application, the required materials are as follows, you can refer to your own judgment-

L the original and photocopy of the borrower's valid identity certificate;

L local permanent residence or valid residence identity certificate

L the borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

L Pledge right, the list of collateral and ownership certificate required by the borrower to obtain the amount of pledge and mortgage, and the written document of the owner and the real estate agreeing to pledge and mortgage.

L a written document that the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

Credit certification materials of the guarantor.

Collateral appraisal report issued by the appraisal department recognized by the society.

Other documents and materials required by the Construction Bank.

Regular and convenient loans can be recommended to you: ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~

3. Can Dongguan Bank lend directly with e-loan?

can

1. Introduction of mortgage loan of Dongguan Bank:

1. Loan amount: maximum single amount100000;

2. Loan interest rate: the annualized minimum is 4.05% (the borrower's age and loan term are no more than 70 years old);

3. Repayment method: pay interest first, then the principal, and pay 5% of the principal every year; Average capital plus interest

4. Access areas: Dongguan, Guangzhou, Nansha, Shenzhen, Zhongshan, Zhuhai, Qingyuan, Huizhou, Foshan, Shaoguan, Changsha and Hefei.

Second, the application conditions:

1. The principal and the age of the borrower are 18-65 years old;

2. Access conditions:

(1) Borrower: There is a commercial house in the access area;

(2) The personal debt ratio is lower than 70%;

(3) The house area is more than 45 square meters within 30 years;

(4) In the last six months, individuals (including couples) have been running water, and the credit reporting debt ratio should be covered.

Third, the credit requirements:

1. There shall be no overdue for six times in the last two years, three times in the last two years, three times in the last two years and no more than 15 times in the last three to five years, and there shall be no overdue at present;

2. The total liabilities shall not exceed 6,543,800+million; No more than 3 business loans;

3. Non-bank small loans shall not exceed 2;

4. The loan approval inquiry shall not exceed 6 times in the past 6 months.

Please contact manager Wang for consultation.

4. How about mortgage loan?

70% to 80% of the property value can be obtained by mortgage loan, but the standards of each bank are different.

Due to the risk of loan funds, banks will conduct risk control management for each loan, which means that the same bank will provide different loan interest rate conditions for borrowers with different qualifications. So the question of which bank has the lowest loan interest is meaningless to an ordinary borrower. Under the background of the current national loan restriction, it should be more important for the borrower to successfully handle a suitable real estate mortgage loan!

When the bank evaluates the borrower's loan qualification, the staff will consider the borrower's repayment ability. They will analyze the materials provided by borrowers, such as credit records, bank statements, work income certificates, asset reports, etc. , roughly calculate the borrower's monthly income and monthly expenditure, and get the monthly repayment ability. Then, combined with the borrower's loan amount and monthly payment ability, we can determine what kind of repayment method and loan term the loan customer should choose.

Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks.