First, the applicant should have the conditions
China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions can apply for personal credit loan guarantee.
1. Have a proper occupation and a stable income source (the monthly salary income must be above 1000 yuan), and have the ability to repay the loan guarantee principal and interest on schedule;
2. The borrower's unit must be an administrative, enterprise or institution recognized by the bank and having a good cooperative relationship with the bank, and the bank needs to pay wages on its behalf;
3. Abide by the law, and have no illegal acts and bad records; housing mortgage loan
4. Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan guarantee principal and interest from its designated personal settlement account;
5. Other conditions stipulated by the bank.
Second, the loan amount of automobile mortgage.
The starting point of personal credit loan is 2000 yuan, and the loan amount shall not exceed 6 times of the borrower's monthly salary, and the maximum shall not exceed 20,000 yuan.
Third, the loan term.
The loan term of personal credit loan is below 1 year (inclusive), and it is generally not extended. If the loan cannot be repaid on time due to force majeure, it can be extended once with the consent of the loan guarantor, and the accumulated loan term does not exceed 1 year.
Fourth, the loan interest rate.
The loan interest rate is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China. In case of interest rate adjustment during the loan period, it shall be calculated according to the contract interest rate, and interest shall not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.
Verb (abbreviation of verb) loan guarantee process
1. The borrower submits the following information to the bank: house mortgage bank loan.
(1) loan guarantee application approval form;
(2) my valid identity certificate and a copy;
(3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months);
(4) proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );
(5) Effective contact information and telephone number;
(6) Personal settlement account voucher opened in China Industrial and Commercial Bank;
(seven) other information required by the bank.
2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract.
3. The bank issues loans to borrowers through transfer.
Due to the current tightening of bank loan policy, it is not so simple to handle personal credit loans. It is suggested that the general public find a formal guarantee company to handle personal credit loans.