With the shrinking of personal mortgage business, the best credit in the eyes of commercial banks, breaking through the mortgage crunch and finding new profit growth points are gradually becoming the focus that every commercial bank urgently needs to crack. It is worth mentioning that most Chinese commercial banks have not fully launched personal unsecured consumer loans, while some foreign corporate banks with higher degree of marketization have begun to try. The main banks in the personal market include Shanghai Pudong Development Bank, Citibank and Standard Chartered Bank. Next, I will introduce the personal unsecured consumer loan business of Shanghai Pudong Development Bank. Personal consumption loans refer to personal loans issued by banks to borrowers who apply for purchasing "reasonably used consumer goods or services". Application conditions: 1. For natural persons with full capacity for civil conduct, the maturity date of the loan is generally not more than 55 years old. 2. Have permanent residence or valid residence status in Beijing towns. 3. Have legal and stable economic income, good credit and the ability to repay the principal and interest of the loan. 4. Have a clear intention of consumption or have signed relevant consumption contracts. 5. Can provide the guarantee recognized by the lender. Application materials: 1. Valid identity documents and household registration certificate, marital status certificate and personal income certificate. 2. Relevant materials or documents (sales contracts, agreements or other valid documents) to confirm consumption behavior. 3. Application Form for Personal Consumption Loan 4. Other materials required by the bank. Loan amount: up to 500,000 yuan, with the price of purchased consumer goods or services as the upper limit, and providing corresponding loan guarantee. Loan term: The longest loan term can reach 5 years. Application process: the bank applying for approval signs the contract, completes the formalities, issues the loan, and the customer repays the loan. With the rapid rise of consumer credit in China, credit cards with small consumption can no longer meet the needs of large consumption. In view of customers' large consumption demand, Shanghai Pudong Development Bank specially designed a financing consumer bank card called Easy Loan. This product can not only meet the needs of consumers for large consumption, but also make up for the problem of credit card limit, which is very suitable for the needs of young and middle-aged consumers. Easy credit card issued by Shanghai Pudong Development Bank focuses on large consumption. I believe this product will definitely stimulate consumption and provide a new hot spot for stimulating domestic demand. Consumer Credit Card focuses on the dream of timely and wonderful loans without waiting, and is committed to providing customers with more intimate and convenient services. Its main advantages are convenient use of loans, automatic transfer by credit card, and support for large consumption. The credit line of a credit card can be recycled. The longest loan period of a credit card is 10 year, and the maximum loan line is10 million. We firmly believe that consumer credit, which has the dual functions of personal consumer credit and bank card, will surely become the backbone of stimulating consumption.
2. How to apply for personal consumption loan of Shanghai Pudong Development Bank?
Personal consumption loans of Shanghai Pudong Development Bank meet the following conditions:
1, a natural person who has reached the age of 18 (inclusive) and has full capacity for civil conduct, the maturity date of the loan is generally not more than 60 years old.
2. Have permanent residence in cities and towns or valid residence status.
3. Have legal and stable economic income, good credit and the ability to repay the principal and interest of the loan.
4. Have a clear intention of consumption or have signed relevant consumption contracts.
5. You can provide a guarantee recognized by the bank.
6. Other conditions required by the personal consumption loan bank of Shanghai Pudong Development Bank.
Application materials for personal consumption loan of Shanghai Pudong Development Bank:
1, valid identity certificate and household registration certificate, marital status certificate and personal income certificate.
2. Relevant materials or documents (sales contracts, agreements or other valid documents) to confirm consumption behavior.
3, personal consumption loan application form.
4. Other materials required by Shanghai Pudong Development Bank.
3. What loans does Shanghai Pudong Development Bank have?
The loans of Shanghai Pudong Development Bank include housing loans, consumer loans and online loans. Among them, borrowers can apply for loans from Shanghai Pudong Development Bank as long as they buy individual housing. The products of consumer loans include: automobile consumer loans, easy home loans, private bank investment account loans, overseas financial loans, elite loans, good mortgages and easy loan cancellation. Online loan products include: Puyin Integral Loan, Puyin Express Loan and Anju Loan.
4. How to apply for an easy loan from Shanghai Pudong Development Bank?
Application materials for easy account cancellation of Shanghai Pudong Development Bank:
1, valid identity document, household registration certificate;
2. Proof of marital status;
3. Personal income certificate;
4. Application form;
5. Other materials. Loan terms: 1. Age requirement: no more than 20 years old; 2. Location of collateral: Wuxi; 3. Collateral types: ordinary houses, villas, shops and office buildings; 4. Working years: continuous work in the current unit 12 months. Loan interest rate: 0.55%