Bank loans can be extended after three years. As long as you maintain a good reputation and there is no overdue breach of contract, you can apply for renewal. Banking institutions will review the qualifications of individuals or enterprises, renew loans if they meet the conditions, and refuse them directly if they do not meet the conditions. Then they need to apply for another loan when it expires.
Generally, it can be recycled to five years. That is, you can repay 50 thousand in the first year, and you can lend it out at the end of the first year and pay it off in five years.
In short, keep a good relationship with the bank and apply for loan renewal before the loan expires, so that the bank can start the audit early and save the loan time.
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1. Does everyone have 50,000 yuan for China Post Express Loan?
Not everyone has a quota of 50 thousand for China Post's ultra-fast loan. The quota of 50000 refers to the maximum quota that can be applied for. After the user submits the loan application, the system will give the loan amount according to the user's credit qualification. Users with good credit qualifications can get tens of thousands or even tens of thousands of yuan. Users with average credit qualifications may only apply for several thousand yuan.
Therefore, if you want to get a higher loan amount, you must improve your credit qualification.
Second, the state recognizes five online lending platforms.
1. Jin Lu clothing:
Relevant institutions rank online lending platforms every month. Since 8 months from 2065438 to 2008, the reputation of Jin Lu service platform has been among the best and won the first place for many times. You know, Jin Lu's backer is China Ping 'an, which is very safe and the interest is not high. It is really a good place for online lending.
2. Pleasant loan:
There are some rumors on the Internet that pleasant loans are not good. However, the platform of pleasant loan is still quite good. As for the online rumors, it may be that the industry competition deliberately slanders. The strict examination and approval of pleasant loans also shows that he is more formal. Moreover, it has a good reputation and ranks high in the industry.
3. Everyone's loan:
Renren's main business is small unsecured credit loans. Official website shows that the average loan is 83,500 yuan, which meets the regulatory requirements. Renren Loan publishes all the important information of the platform in official website for the convenience of investors.
In addition, the target loan contract invested by users and the investment records of investors can also be found on the computer website. In terms of openness and transparency, the Renren loan platform is still doing very well.
4. Pat on loan:
This platform is reliable, but the interest plus service charge is a bit high. If you need it badly and can't borrow it from other places, the loan is still reliable. Just consider the repayment problem clearly, and you will report it at the meeting after the deadline.
5. Microfinance network:
Microfinance Network is a loan platform established on 20 1 1, headquartered in Hangzhou, and listed on the New York Stock Exchange. In other words, the micro-loan network is already a listed loan platform, which is unmatched by most loan outlets.
How long is the Bank of China E-loan line of China Bank, and how to reactivate it after it expires?
The credit line of BOC e-loan is one year, and you can make any repayment within the credit line. The longest term of any single withdrawal is 12 months. After approval, a quota will be created for you in the core system, and the validity period of the quota is 12 months.
Tips: During the validity period of the quota, the quota remains unchanged and the interest rate remains unchanged. After the limit expires, if you still have the pre-paid limit, you can resubmit the application for activation.
If in doubt, please continue to consult the online customer service of Bank of China. If you have other business needs, please download the mobile banking APP of Bank of China or follow "Bank of China Micro-Banking" on WeChat to continue consulting and handle related business.
Can the revolving loan be renewed when it expires?
Basically, as long as your cooperation with the credit cooperatives is honest and trustworthy, the interest is settled on time, and the principal is repaid when due, the credit cooperatives think that your credit is good, and you can apply for a loan immediately after the loan is paid off, and the credit cooperatives will accept it. However, because the last business ended, the contract you signed before was invalid. Your new loan application needs to go through the loan process of the credit union again, so you can apply for a loan immediately if the money is still there. However, due to the limitation of the loan process, the dissatisfaction will drag on for a few days. However, if you have applied for a credit loan before and can recycle it during the credit period, you can borrow it again after you go in. Even if you can't lend it out immediately, I suggest that you repay it immediately when the loan expires and keep a good credit record. If you want to use a loan in the future, it will be faster. Otherwise, once you have a bad record, no matter which bank you go to, you will not accept it.
The six loan methods are as follows:
1. Risk loan
Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.
2. Mortgage loan
For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. Business needs to buy commercial housing along the street, you can apply for commercial housing loans from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.
3. Pledged loan
In addition to certificates of deposit, personal loans can easily obtain certificates such as treasury bills and insurance company policies. 80% of the loanable deposit certificate amount of the pledged loan; 90% of the denomination of the national debt that can be loaned by the national debt pledge loan; The amount of the loan pledged by the insurance company shall not exceed 80% of the cash value of the policy at that time.
4. Guaranteed loan
If you don't have certificates of deposit, government bonds or insurance policies, but your spouse or parents have a better job and a stable income, it is also an excellent credit resource. At present, banks have a soft spot for high-income groups, and lawyers, doctors, civil servants, employees of public institutions and financial professionals are all listed as preferential targets for credit loans.
Employees in these industries can get about 654.38+10,000 yuan of secured loans from financial institutions such as ICBC and China Construction Bank only by looking for one or two colleagues to guarantee, and they can get approval documents on the day when all kinds of materials are ready, so as to quickly obtain venture capital.
5. Microfinance
According to "laid-off workers under 60 years old, healthy, honest and trustworthy, with certain labor skills, who are engaged in self-employment, self-employment, partnership or organized employment, they can apply for small secured loans from commercial banks or their branches with a re-employment concession card issued by the labor and social security department.
Entrepreneurs can hire laid-off and unemployed people. After consultation, they can apply for unemployment loans with a re-employment concession card. Everyone can borrow up to 20,000 yuan, and the interest rate is the lowest among local bank loans. Enterprises that absorb laid-off workers 10 can enjoy a low-interest loan of up to 200,000 yuan.
6. International trade financing
International trade financing refers to short-term financing or credit facilities provided by the government and banks to import and export enterprises related to import and export trade settlement. These businesses include letter of credit opening, import bills, delivery guarantee, export bills, packaged loans, discount of foreign exchange bills, international factoring financing, forfaiting, export buyer's credit and so on.
Postal loans are recycled for three years.
Hello, I'm glad to solve it for you. A three-year revolving loan of a savings bank needs to be reviewed and recovered every year. Three years refers to the loan amount, which can be recovered within three years and will expire after three years. At this time, users can apply for loans without any restrictions for three years. After three years, they need to obtain a new credit line, which is valid for three years, that is, it can also be recycled within three years. But it needs to be reviewed every year. This is my answer. I hope it helps you.