What is the loan consultation telephone number?
This loan depends on your form. If it is a provident fund loan, you need to contact the provident fund center. The general telephone number is 12329. If you want to get a commercial loan from a bank, it depends on the bank you choose to borrow.
China Agricultural Bank 95599, China Construction Bank 95533, China Industrial and Commercial Bank 95588, China Bank 95566, Bank of Communications 95559, Postal Savings Bank 95580, China Guangfa Bank 95508, China Merchants Bank 95555, Industrial Bank 955 1, China CITIC Bank 95558, China Everbright Bank 95595, Pudong Development Bank.
What are the basic conditions for applying for a personal loan?
1, personal qualification should be up to standard.
After accepting the loan application, the lending institution will comprehensively evaluate the loan qualification from the borrower's real estate, income, occupation, credit and education. Among them, financial resources, occupation and income are all important standards. Generally speaking, employees and civil servants of state-owned enterprises are easily approved, and such people are often regarded as quality customers by lending institutions.
2. The loan information should be complete and true.
To apply for personal consumption loan, the borrower must provide his valid identity certificate, marriage certificate, income certificate and other valid financial certificates. These materials should be prepared before the loan, be true and reliable, and cannot be falsified.
3. Determine the loan amount and term.
If the borrower applies for a loan with personal credit as the guarantee, the amount can reach 500,000; If the house is used as collateral, the amount can reach 70% of the appraised value of the house. However, these are just a restriction on the amount of loans by lending institutions. The specific loan amount can be determined according to the borrower's qualification, but the borrower should also determine the loan amount and term according to his own situation, in case the repayment pressure is too great to repay.
4. Choose the right repayment method
When the borrower chooses the repayment method, it should be comprehensively determined according to its repayment ability and loan term. If the loan term is less than one year, you can consider paying the principal and interest in one lump sum; If it is more than one year, and you have a high income and strong repayment ability, you can consider the capital in general; If the repayment ability is average, you can consider equal principal and interest.
Before handling the loan, everyone should pay attention to the specific handling details and follow the loan process. Getting a loan is a big deal. Before handling, you must pay attention to the specific handling information and conditions, and apply in time according to the local financial policy to ensure that your loan can be approved as soon as possible.