Is the loan packaging fee true?
This is not true. Generally, formal and large-scale lending institutions do not charge any fees in the early stage of the loan, and only after the loan is successful will they charge a certain percentage of service fees in accordance with relevant regulations.
What are the procedures for loan?
1. Understand the relevant loan policies.
Go to the bank to know the relevant situation before lending, and see if you meet the conditions of the loan, so as to know fairly well.
Step 2 apply for a loan
Under the condition of satisfying the loan, the lender should take all the information to the bank to apply for a loan, but before applying, he should see clearly what kind of loan is suitable to avoid losses.
Step 3 wait for approval
After the information is submitted, wait patiently for the approval of the bank to determine the loan amount. Generally, the monthly repayment amount is half of the monthly income, and the passing amount is about half of the monthly income multiplied by the number of loan months.
4, face-to-face sign
After the loan application is approved, the bank will inform the applicant to go to the bank to sign the loan contract. During the interview, the bank staff will ask the lender questions, and the lender will answer them truthfully. If your answer is far from the actual situation, you won't pass.
What should I pay attention to when applying for a loan:
1. The first thing a bank needs to determine is your credit information.
Personal credit is very important in lending. If the lender has a bad credit record three or six times in a row within two years, he can't get a bank loan.
2. How is your income?
When making a loan, the bank will examine your income to judge whether you have the repayment ability. The higher the borrower's income, the higher the loan amount. Therefore, when the bank examines the borrower's income, it will require the borrower to provide proof of bank running water for more than 6 months.
3. Provide proof of assets
If you apply for a mortgage loan, the bank will ask the borrower to provide collateral as collateral. If there is no collateral, the borrower should provide proof of assets in addition to proof of income, so as to obtain a high loan.
The article concludes: Well, the knowledge about whether the loan packaging fee is true and what procedures are needed for the loan is introduced here. If you need more information, please continue to pay attention to Qijia. We will provide you with better and more exciting content in the future.