The focus of attention is very obvious, generally concentrated in six aspects: first, age; The second is the place of work; The third is the working years in this unit; Fourth, income requirements; The fifth is the credit situation; Sixth, occupational or industrial restrictions. If these six elements are up to standard, you can apply with confidence.

Note 2: Are the materials ready?

After reading the loan application conditions, it is relatively simple to prepare the materials. Collect four sets of loans: copy of personal ID card, work certificate, punch card salary and personal credit report, and you can almost summon the credit manager.

2. Generally, it is required to pay by punching in for six consecutive months, at least three months. Loan applicants can go directly to the bank counter to print, and this service is free.

Note 3: Loans should be used in compliance.

Some people mistakenly think that they will be able to apply for a loan if they meet the requirements. As we all know, the loan is not used correctly, and the bank will definitely say no to you.

If you are going to use it for gambling and usury, the bank will definitely avoid you; And if you use it for stock trading, futures trading and wealth management products, these banks are also not allowed.

Don't think you can take advantage of loopholes. Even if you get the loan, the bank will find that the loan is not used according to the regulations, the loan will be recovered and you will be given a penalty for breach of contract. I don't think you want to shoot yourself in the foot!

Note 4: The loan amount should be reasonable.

As we all know, the personal loan amount is generally 10 times of the monthly income. Most people are concerned about whether the bank can give me a higher loan amount, rather than calculating how many loans they need.

Have you calculated that the higher the loan amount, the more the loan interest and the greater the repayment pressure?

How to control the loan amount within a reasonable range? Be sure to make a budget before applying for a loan. The loan amount can be increased by 65,438+00% on the basis of the budget. Beyond this limit, you may have to pay for your irrationality.

Note 5: Ask the total interest of the loan.

I believe you must have seen many advertisements for "zero-interest car purchase" or "zero-interest loan". The stunt of zero interest rate is getting bigger and bigger, attracting a lot of attention, but is zero interest rate necessarily cheap?

1. Zero interest rate ≠ zero interest, the two must not be confused. The so-called zero-interest loan products generally transfer interest to fees, guarantees and other items. After careful calculation, it is not necessarily cheap;

2. It doesn't matter if you don't know the calculation formula of interest. You can directly ask the credit manager 1 year how much the loan costs, and the sum is the total interest, so that you can clearly see whether your loan is cost-effective.

Note 6: Repayment on time should not be overdue.

After passing the audit, we can't take it lightly until the last loan is paid off. This is a satisfactory loan process. Therefore, it is particularly important to repay the loan on time. Once overdue, it will not only be recorded in the credit report, but also the loan and credit card application will be affected in the future, and you will also encounter penalty interest.

Remember the monthly repayment amount and time, set an alarm clock, and pay back the arrears on the first day of each repayment date; Or bind your own salary card and repay it yourself.

Note 7: Is there a penalty interest for prepayment?

What? Is there a penalty interest for prepayment? I believe that when I read these words, I have raised a bunch of black question marks in my heart. All I know is that if I don't repay the loan after the deadline, I will pay a penalty interest. I don't know if I have to repay the loan in advance, right?

Take chestnuts for example. The loan amount is 6,543.8 yuan+0,000 yuan. If you repay the loan in advance, you have to pay a penalty of 654.38+00000 * 654.38+0% = 654.38+000 yuan. If there are too many liquidated damages, it may not be cost-effective to repay in advance.

The terms of prepayment must be made clear when signing the loan contract.

It has been said that people's anxiety generally comes from self-distrust and uncertainty about the future. Once they are familiar with the rules, it is easy to solve difficult things. This sentence also applies to novices who apply for loans.

Mobile phone downloads APP "mobile phone loan", JD.COM IOUs, cash installment and other different loan products designed for different people's needs. I believe there is always one suitable for you. You can also pay attention to the official micro-signal "mobile phone loan" and answer your questions one by one.