Every coin has two sides. The biggest advantage of the loan is to spend in advance. For example, if you don't have enough money to buy a house, you can apply for a loan from the bank. After the approval of the bank, we can buy a house and repay the loan on a monthly basis. This kind of loan allows users to live in a new house in advance, and the house price may rise after buying a house. Loans can also relieve personal financial pressure. When users are short of funds, they can apply for credit loans from banks. After the bank approves the loan, the money they get can help users tide over the difficulties. The disadvantage of the loan is that it may not be repaid on time in the later period. There will be a lot of influence at this time. For example, overdue repayment will make credit information worse, and it will be more difficult to handle various financial businesses in the future; If it is a mortgage loan, the bank may auction the collateral, and the auction money will be used to repay the loan.

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Personal loan conditions:

1. Having urban permanent residence or valid residence status requires the borrower to have legal status.

2. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records.

3, some also require the provision of assets recognized by banks as collateral or pledge, or units or individuals that meet the prescribed conditions and have the ability to compensate as guarantors to repay the principal and interest of loans and bear joint and several liabilities.

4. The applicant must be a natural person with full capacity for civil conduct.

5 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

Submit:

1, borrower's income certificate (half-year salary income certificate or tax payment certificate).

2. The borrower's valid ID card and household registration book.

3. If mortgage loan is needed, proof of the rights of the mortgaged property must be provided, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the appraised value of the mortgaged property.

4. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate.

5, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce).

How about a bank loan?

Question 1: Is the bank loan good? Hello! Different loan products are different. For a simple example, personal credit loan () requires personal income, repayment ability and no bad credit record. Generally, the amount is low, and there are many other types.

Different products and different banks have different interest rates and related terms. I suggest you make a comparison among many banking institutions, so it is easier to find products with lower interest rates and higher quotas that are more suitable for you.

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Question 2: How to make a bank loan better? The characteristic of equal principal and interest method is that the monthly repayment amount is the same. In the distribution ratio of "principal and interest" of monthly payment, the interest paid in the first half of the year is large and the principal is small. After more than half of the repayment period, it gradually turns into a large proportion of principal and a small proportion of interest. The total interest paid is more than the average capital method, and the longer the loan term, the greater the interest difference. However, because the repayment amount is the same every month, it is suitable for family expenditure planning, especially for young people, and the principal and interest method can be adopted, because income will increase with age or promotion.

The average capital method is characterized by different monthly repayment amounts. It divides the loan amount evenly according to the total repayment months (average capital), and adds the monthly interest of the remaining principal in the previous period to form the monthly repayment amount, so the repayment amount of the average capital method is the largest in the first month, and then decreases month by month, and the less the more. The skeleton total interest is less than the equal principal and interest method. However, this repayment method has a high repayment amount in the early stage of the loan period and is suitable for lenders with strong repayment ability in the early stage. The principal method can be used for the elderly, because income may decrease with age or retirement.

Question 3: Is personal loan good? You again. The two questions are of the same nature, and I have already answered them. Personally, don't touch it. You haven't eaten pork, but you always see the pig run away! Have you seen any related movies? What will happen to the borrower? Would you like to have a try? This is illegal.

Those so-called legal institutions in society also lend money to you from banks. They provide you with a mortgage and the bank charges them interest. Then he charges you interest and earns the interest difference. They want to check you, too. I can't borrow it if I want to. You must have a stable income, and the loan amount is related to your income level. Generally, physical mortgage is not needed. In addition, if you have collateral, you can go to the bank for a loan yourself.

To start a business and run a company, we must first sort out our own ideas, know how to operate and know everything about finance. You don't even know the loan business. Running a company is very dangerous. Look before you leap!

Question 4: Is it easy to get a bank loan now? What do you need? Basic rules:

1. Loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct, and the sum of the borrower's age and the loan term is not more than 60 years old; .

2. Loan amount: The maximum credit amount is basically unlimited.

3. Loan term: The loan term is generally 1 to 3 years (inclusive);

4. Loan interest rate: subject to the provisions of bank loan interest rate;

5. Guarantee method: the guarantee is mortgage, pledge, guarantee, etc., and the guarantee provided solely by a third party is not accepted.

6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

7. Application materials to be provided:

(1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse;

(2) Proof of the borrower's spouse's commitment to repayment;

(3) Production and business operation license, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;

(4) Proof of loan use (such as house purchase contract, etc.). );

(5) the tax payment certificate of production and business activities;

(6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of some people agreeing to mortgage (pledged) the owner and property;

(7) Collateral appraisal report issued by the appraisal department recognized by the bank;

(eight) other information required by the bank.

Processing flow:

1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. For the loan approved by the bank, after all formalities are completed, the bank will transfer the loan to the personal settlement account designated by the borrower.

Question 5: Is it appropriate for bank loans to repay loans in advance? Under the method of equal principal and interest repayment, most of the repayment in the first five years is interest. Therefore, early repayment should be arranged in the first three years as far as possible, and the saving effect on interest will be more obvious. If you plan to repay RMB 654.38+10,000 yuan in advance, you will only calculate the accumulated interest paid in the remaining time according to the amount of your current remaining principal after deducting RMB 654.38+10,000 yuan.

According to the data provided by you, a rough calculation shows that by the end of April of 20 13, the accumulated repayment is more than RMB150,000, of which the interest is more than RMB 70,000, the principal is more than RMB 80,000, and the remaining principal is about RMB 290,000. If 654.38 million yuan is repaid in advance and the remaining principal is about190,000 yuan, the bank will recalculate the accumulated interest for the remaining 84 months190,000 yuan.

Personally, whether to repay in advance depends mainly on whether I have suitable investment channels to invest my own money in order to obtain the income higher than the loan interest rate. My portfolio income is above 20%, which is much higher than the interest of bank loans, so I will try my best to use bank loans for investment. If there is no suitable investment channel, then simply repay in advance. I hope I can help you!

Fuba sen 908740 187, an independent financial planner.

Question 6: Is the loan good? Is it dangerous? First of all, entrepreneurship requires investment, and investment itself is risky.

Loan investment is more risky. The risk is that if the landlord can't repay the bank's money, the bank will apply to enforce the landlord's collateral. Or you don't have a mortgage. If the loan is not repaid on time. Even if it is finally paid off, it will also affect the personal credit information of the landlord. I want to buy a house, a car or start a business with a bank loan in the future. It's impossible to sting. Personal credit information is common throughout the country. All banks are the same.

So I still advise the landlord to think it over before making a decision. Because honesty is also your capital. When you want to do something with integrity, if you lose integrity, money can't make up for the loss.

Question 7: What is the best way to repay the bank loan? If you plan to repay in advance, you must choose the average capital! Matching principal and interest means paying most of the interest and a small part of the principal first. The average capital pays most of the principal and a little interest first. Since the repayment is made in advance, it is definitely cost-effective to choose the average capital.

Let me give you an example. For example, a loan of 6,543,800 yuan will be paid off within 654.38+ 00 years:

Matching principal and interest (same monthly comprehensive repayment amount):

1 installment repayment is 1, 138.03 yuan, of which the interest is 545.83 yuan and the principal is 592. 19 yuan.

The installment repayment of 10 is 1, 138.03 yuan, in which the interest is 5 16. 10 yuan and the principal is 62 1.93 yuan.

The repayment in the first installment of 100 is 1, 138.03 yuan, of which interest 122.93 yuan and principal 1, 0 15.09 yuan.

Average capital repayment method (the monthly principal repayment is the same, and the comprehensive repayment amount decreases step by step)

1 installment repayment is 1, 379. 17 yuan, in which the interest is 545.83 yuan and the principal is 833.34 yuan.

10 installment repayment is 1, 338.23 yuan, including interest of 504.90 yuan and principal repayment of 833.34 yuan.

The repayment in the 100 installment is 928.85 yuan, of which interest is 95.52 yuan and principal is 833.34 yuan.

In other words, the average capital will give priority to your loan principal. The more principal you pay in advance, the less interest you bear later. If you plan to repay the loan five years in advance, it is much more cost-effective to choose average capital than equal principal and interest!

If you choose equal principal and interest, you will find that the money you have worked hard to pay back every month for several years is basically interest, and the principal is still a lot. When the interest is calculated by prepayment, it means that you are not cost-effective ... hope to adopt it!

Question 8: Compared with previous years, the loans of banks in China have increased a lot. Requirements, conditions and processes are as follows:

I. Borrower's Conditions A borrower applying for a personal small short-term credit loan shall meet the following conditions:

1. China citizens with permanent residence in China, permanent residence (or valid residence certificate) in local towns and full capacity for civil conduct;

2. Have a proper occupation and stable economic income (monthly salary income should be above 1 000 yuan), and have the ability to repay the loan principal and interest on schedule;

3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;

4. Abide by laws and regulations, and have no illegal acts and bad credit records;

5. Open a current savings account with China Bank;

6. Sign an agreement with the lender to deduct the loan from its current savings account;

7. Other conditions stipulated by the lender.

Two. Loan term and interest rate

(1) The term of personal small short-term credit loan is less than 1 year (inclusive).

(2) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will 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.

(3) The starting point of personal small short-term credit loans is 2,000 yuan, and the loan amount is no more than 6 times of the borrower's monthly salary, with a maximum of 20,000 yuan.

(four) personal small short-term credit loans are generally not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.

Three. When applying for a loan, the borrower shall provide the following information to the lender:

1, loan application approval form;

2. My valid ID.

Support target: young people under the age of 40 who start their first business; Small and medium-sized enterprise loans for young entrepreneurs under the age of 40 to start their second business.

Loan amount: the per capita single loan amount is generally within 6,543,800 yuan, and the highest is 6,543,800 yuan; For small and medium-sized enterprises founded by young people, the loan amount is generally less than 5 million yuan, with a maximum of 30 million yuan; The loan period is generally not more than 3 years.

Loan interest rate: Preferential interest rate will be implemented for projects that are included in the provincial, prefecture (city) and county credit platforms. The interest rate of small loans under the lending model is determined by the development bank and local cooperative banks, and the interest rate of entrepreneurial youth loans with good credit records is preferential under the same conditions.

Question 9: Is the shorter the bank loan, the better? A long time. Interest will naturally increase.

The people at the bank were right, too. You can pay it back in advance if you have money.

But what he didn't tell you is that prepayment means paying off all the remaining balance in advance, not paying more every month.

For example, if you pay 2000 yuan every month, and then pay it back for ten years, there will still be a principal of 654.38+0.5 million. If you want to repay in advance, you have to pay off the principal of 6.5438+0.5 million in one lump sum. Although you only calculate the interest for ten years, the interest is higher, so you still have to suffer.

So I suggest that if there is enough evidence to prove that the fixed number of years is the negligence of the bank staff, then you should consult them to solve it. After all, it's about your vital interests.

Question 10: Can I borrow100000 from the bank now? It depends on your conditions.

Is the loan company easy to handle now?

The loan industry is not easy to do, as most people know, because there are two kinds of loans. One is a loan made by a formal financial company. In this case, the amount of loans involved will be relatively large, and the procedures will be cumbersome, making it difficult for customers. The other is similar to online lending. This kind of existence, if it is that kind of telemarketing, is even more difficult in itself.

Public channel:

1, borrowed by Alipay

Lending treasure is a credit product owned by Ant Financial, which has a big brand, reliability and low interest rate. Since I went online, I have been welcomed and liked by everyone. The loan bears interest on a daily basis and can be repaid as it is borrowed. There is no separate app, and the entrance is on Alipay. Borrowing is an invitation system, and you can only borrow if you get an invitation to borrow.

However, some users did not borrow it, mainly because they did not meet the conditions for borrowing. Bian Xiao briefly introduces the most basic conditions for opening a loan account: sesame seeds score more than 550 points; At the same time, the real-name authentication was carried out, and the personal ID card was bound to the bank card and mobile phone number.

2. Tencent Microfinance

Micro-loan is a credit product of Tencent Weizhong Bank. Like borrowing, micro-lending is an invitation system. Small loans can reach up to 300 thousand, and interest is calculated on a daily basis. Small partners who want to use micro-loans can check whether there is a word "micro-loan to borrow money" through the Jiugongge on the WeChat payment page.

Some users want to use microfinance quickly because they don't meet the conditions for applying for microfinance. When using microfinance, they find that they can't borrow money, so they can use WeChat to pay more and use its related services to chat with people through WeChat. There are certain fund transactions on WeChat, such as transferring money and issuing red envelopes, so that WeChat can see its economic strength and spending power.

Bian Xiao would like to remind everyone here to pay attention to the fake sales calls of micro-loan customer service, because some lawless elements falsely claim that they are micro-loan customer service, and paying the work fee can help to open micro-loans. These are all lies.

3. Xiaoman Finance (formerly Baidu Finance) has money to spend.

Qianhua is a credit product of Xiaoman Finance (formerly Baidu Finance), and big brands are trustworthy. Unlike loans and small loans, you can take the initiative to apply for money without official invitation.

If you want to apply for money, you usually need to meet two conditions: first, the borrower must be between 18-55 years old and cannot be a college student; Secondly, I need to use my original second-generation ID card and my bank debit card in the application process. Meet the above conditions, you can take the initiative to apply for spending money. In addition, Youhuahua also launched credit products for small and micro business owners. If you are a small and micro enterprise owner and need start-up or operation funds urgently, you can also borrow from Youhuahua.

Money can provide users with a loan amount of up to 200,000 yuan. Due to the different situation of each user, the amount obtained will be different, and the specific amount will be subject to the page display. Generally speaking, the better the personal qualification, the higher the loanable amount you can get when you have money to spend.

Relying on the strong technical strength of Xiaoman Finance, the speed of applying for funds is very fast. After the loan is approved, the funds will arrive in three minutes at the earliest.

How about Ping An Bank loan?

Ping An Bank's personal credit loan is quite good. Because Ping An Bank's personal credit loan does not need guarantee, the procedures are simple and the approval speed is fast, which is generally good.

To judge whether a credit loan is good or not, you can look at it this way. Applicable conditions: Different banks have different conditions for applying for loans, such as credit status, income and repayment ability. When a loan company applies for a loan, it mainly depends on its realization ability and personal reputation. Borrowers with debts can also borrow from banks or loan companies as long as they can provide relevant information. Comparing loan interest rates: Compared with credit loans, the risk is lower, and the loan interest rates in different regions of the same bank may be different. Comparison of approval speed: there are many bank processes and the approval time is long. It is possible to get a loan in about 20 working days at the earliest. The loan company has simple procedures and fast approval speed, and it takes 10 working days to obtain the loan. Compare loan lines.

Several common situations in which banks refuse loans;

1. Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting.

2. With the development of the Internet and big data, many people around you have started to borrow money online, some doing business and some supporting loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay it off in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. However, according to experience, 95% of banks will ask you to repay when you actually apply for a loan. After the mortgage is approved, it can be handled. Therefore, you must consult relevant questions before buying a house, because there are many cases of unclear settlement and check-out. (The above refers to the loan on credit reporting).

3. Consumer loans: refers to some loans, such as computer installment and mobile installment, which must be paid off first, regardless of the amount, especially for single customers.

4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan.

5. Is there a low-rent house or a special welfare house for a certain period (regional policy): Before buying a house, make sure whether there is a low-rent house under your own name. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money.