For example, the lowest daily interest rate for ants to borrow Bai is five ten thousandths (.15%) and the highest is six ten thousandths (.6%); However, the lowest daily interest rate of micro-loan is two ten thousandths (.2%) and the highest is five ten thousandths (.5%). And the daily interest rate of Anyihua is .2% at the lowest and .483% at the highest.
loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds.
Banks put the concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Basic provisions on loans
Loan target: China citizens with full civil capacity who have reached the age of 18 to 6.
loan amount: after the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower.
the pledge amount shall not exceed 9% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 7% of the assessed value of the collateral; The credit line and guarantee line are determined according to the credit rating of the borrower.
guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
Application materials to be provided:
(1) A written document that the guarantor agrees to provide the guarantee required for the borrower to obtain the guarantee amount.
(2) the credit certificate of the guarantor.
(3) the appraisal report of collateral issued by the appraisal department recognized by the society.
(4) Other documents and materials specified by CCB.
(5) The original and photocopy of the borrower's valid identity certificate.
(6) Proof of local permanent residence or valid residence status.
(7) The borrower shall issue the income certificate issued by the employer, the borrower's tax bill and insurance policy.
(8) Pledge rights, collateral list and ownership certificate required for the borrower to obtain the pledge and mortgage line. Written documents of the owner and the property * * * that someone agrees to pledge and mortgage.
(9) The borrower also needs to provide the bill of payment for the hydropower property at the company site and the bill of payment for the hydropower property at the personal address.