In today's increasingly stressful life, handling loans has become a problem that many people have to face. A friend came to ask: Is Changsha Bank a good loan? Here is a brief introduction to the loan policy and loan products of Changsha Bank.
As a city commercial bank, the loan policy of Changsha Bank is still looser than that of some big banks. Therefore, for people with good credit and strong repayment ability, it is better to apply for a loan from Changsha Bank.
Next, I will introduce the loan products of Changsha Bank. The loan products of Changsha Bank mainly include personal automobile consumption loan, construction machinery and equipment mortgage loan, first-hand building personal housing mortgage loan, study abroad loan, personal revolving loan and personal consumption loan.
Here are the application conditions for personal consumption loans:
China residents aged 1 and 18 and in good health;
2. Have a stable economic income and be able to repay the loan in full and on time;
3. Personal credit is good, and there is no serious dishonesty before;
4. It can provide a guarantee method recognized by Changsha Bank;
5. Open a personal settlement account in Changsha Bank.
Through the application conditions of personal consumption loan of Changsha Bank, it is not difficult to see that the loan of Changsha Bank is still relatively good.
What does Changsha Bank have in enterprise credit loans? Look at these three models.
Many small and medium-sized enterprises may face difficulties in production, operation and development. They can apply for credit loans from some banks without mortgage guarantee. For example, Changsha Bank has many such loans, which are suitable for enterprises with different qualifications to apply. Here, I'll give you an inventory.
What does Changsha Bank have in enterprise credit loans?
1, tax e financing:
Refers to the revolving credit loan granted by Changsha Bank to the legal representative of small and micro enterprises for business turnover based on the tax credit authorized by the tax authorities.
Customers who have paid taxes normally for more than two years can apply through the Internet. The maximum loanable amount is 6,543,800,000 yuan, the longest validity period of a credit line is 654.38+02 months, and the longest term of a single loan is 6 months. The loan shall be repaid with interest on a daily basis, with a minimum of two ten thousandths.
2. Online business loan:
It refers to the credit financing products provided by Changsha Bank for merchants engaged in B2B and B2C e-commerce business on mature e-commerce platforms such as Tmall and JD.COM. The maximum credit line is 20 million yuan, the credit period is 1 year, and the loan is repaid at the lowest interest rate. Only individual Taobao merchants in Hunan can apply.
3.POS loan:
It refers to the short-term credit loan issued by Changsha Bank to an external service organization (non-UnionPay) with a POS card account of 300,000 yuan.
POS merchants who have received orders from Changsha Bank for more than 3 months, have physical stores, take Changsha Bank as the acquiring bank, and have more than 3 years of industry experience can apply.
Is it easy to pass the Happy Second Loan of Changsha Bank? Do I need to go through an agent?
Changsha Bank's Happy Seconds Loan is easy to pass without assistance. Happy second loan is a loan product of Changsha Bank Co., Ltd. As long as the borrower meets its application conditions, the pass rate is naturally high. At present, Happy Seconds Loan is mainly aimed at high-quality units, and there is no need to help with loans.
Which is better, Changsha Bank's Happy Second Loan or Happy Staging?
Changsha bank's happy second loan, happy installment and happy second loan are all good. According to relevant information, Happy Seconds Loan has the advantages of large loan amount, simple procedures, quick receipt, convenient operation of mobile banking, low interest rate, various repayment forms, one-time repayment, installment repayment and early repayment, and is freely selected by customers. As long as the customer sticks to his credit, does not default on the loan and pays off the loan on time, he can renew the loan. Changsha Bank Music Staging is a large-scale consumer staging product under Changsha Bank. After the user applies for music staging, it can be used for large-scale durable goods, household appliances, wedding and parenting, education and training, tourism, 3C digital, medical and health staging consumption, but it cannot be withdrawn.
What conditions does Changsha Bank need for Happy Seconds Loan?
What conditions does Changsha Bank need for Happy Seconds Loan?
The age is between 18-60 years old; Have a certain repayment ability, preferably a stable income and work, and no laborer needs to submit economic proof materials; Personal credit information is good, and there can be no overdue or illegal records in the credit information; Personal debt ratio should not be too high, and the debt ratio should not exceed 50%. However, meeting the loan conditions does not necessarily mean that the loan will pass, and ultimately it will be subject to the bank's audit results.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
1. First, you must have a provident fund social security customer to apply, or you can apply for punching in. Customers who have paid for more than two years had better apply for the next payment.
2. Secondly, Happy Second Loan has whitelisted customers' medical insurance cards, salary cards and social security, and it must be a whitelisted customer of Changsha Bank to apply. It is a product open to "whitelisted" customers who meet the access conditions. If local customers in Changsha can directly bring information to local outlets to apply.
Finally, there is the issue of credit report. The requirements of bank loans for credit reporting are still relatively high, especially the recent inquiry records should not be too many and the debt ratio of credit reporting should not be too high. If you apply for more online loans, it is difficult to make the next payment even if your qualifications are good.
"Happy Second Loan of Changsha Bank" is a pure online and pure credit consumer loan product launched by Changsha Bank, which can be recycled.
1. Use the Happy Second Loan of Changsha Bank.
Car purchase, decoration, medical care, tourism, education, wedding, daily consumption, etc.
2. Changsha Bank Happy Second Loan Application Conditions:
/kloc-natural person aged 0/8 to 65;
The actual age of the borrower and the loan application period shall not exceed 70 years;
Have a stable job, a stable income, and the ability to repay the loan principal and interest on time;
Good credit, no bad record, and legal use of the loan;
Other conditions stipulated by the bank.
Third, Changsha Bank Happy Phase II Loan Application Steps
1. Open the online banking app of Changsha Bank (7.8.6) and click "Happy Second Loan" to activate the bank (fill in personal information);
Apply for a loan.
4. Changsha Bank Happy Second Loan Repayment Method
1. Automatic repayment: Ensure that the repayment bank card (the collection bank card selected when borrowing) has enough funds to repay the current principal and interest before the agreed repayment date (2 1) 18:00 every month, and Changsha Bank will automatically deduct the money;
2. You can deposit enough funds into the repayment account at any time, and then click "Happy Second Loan" through online banking to make early repayment (there is no handling fee for early repayment).
5. What is the amount of Happy Seconds Loan?
The limit of a single user does not exceed 300,000 yuan, and the limit is between10-300,000 yuan according to the user's credit, deposit, wealth management and debt.
5. Characteristics of Happy Second Loan of Changsha Bank
1. Jane: pure credit, 0 guarantee, online application;
2. Fast: real-time approval and real-time payment;
3. High: credit line, the maximum loan line can reach 300,000;
4. Province: minimum daily interest rate 1.5 yuan/ten thousand (loan 65438+ ten thousand, interest rate 1.5 yuan/day);
5. Length: one-time credit, valid for three years (a single loan can last up to three years);
6. Convenience: use it and borrow it, pay interest monthly, repay the principal when it is due, and support early repayment.
The introduction of loan products of Changsha Bank ends here.