That's too vague. See what kind of loan you want. If it is a mortgage, you only need to have a stable job and income, and your monthly salary is twice the monthly repayment amount, so you can go through the mortgage loan formalities. If it is a current loan, you can choose the way of guarantee or property mortgage. You need to find someone to guarantee a secured loan. Property mortgage is similar to housing mortgage. Of course, the premise is that your credit information is in good condition and there is no overdue or unpaid loan.
2. What are the application conditions of Bank of Communications for Huimin Loan?
The application conditions are:
1. The approval of Bank of Communications Huimin Loan requires that the applicant be over 18 years old and have full capacity for civil conduct.
2. The applicant's personal credit information is good, and there is no bad record such as overdue.
3. The borrower must be a customer of Bank of Communications, preferably a good old customer.
4. The borrower who submits the application must be in the open area of Bank of Communications' Huimin loan business, because some branches are temporarily unable to handle it.
Third, what are the conditions for Bank of Communications to benefit the people?
Application for Huimin Loan of Bank of Communications
1, the borrower must be a customer of Bank of Communications, and generally needs to be a payroll customer of Bank of Communications;
2, personal credit must be good, can't have a bad record in the Bank of Communications, and can't have a stain on the central bank's credit information;
3. The borrower needs to handle business in Bank of Communications frequently.
4. Traffic has been opened enough to submit personal application materials online;
5. Being in the Bank of Communications Huimin Loan Open Branch, Qinghai Branch, Anhui Branch, Sichuan Branch, Shaanxi Branch and Hebei Branch is temporarily unable to handle it.
Four, Bank of Communications Huimin loan application conditions
1, the borrower must be a customer of Bank of Communications, and generally needs to be a payroll customer of Bank of Communications; 2, personal credit must be good, can't have a bad record in the Bank of Communications, and can't have a stain on the central bank's credit information; 3. The borrower needs to handle business in Bank of Communications frequently, and belongs to a relatively high-quality old customer; 4. Mobile banking of Bank of Communications has been opened, and personal application materials can be submitted online; 5. Being located in the open area of Bank of Communications for Huimin Loan, Qingdao Branch, Inner Mongolia Branch, Qinghai Branch, Anhui Branch, Sichuan Branch, Shaanxi Branch and Hebei Branch are temporarily unable to handle it. : Daily business of Bank of Communications 1. RMB settlement business: All settlement businesses can be handled at any time through the national electronic remittance system and the bill clearing system in Dalian, and the inter-provincial and inter-regional remittance can be immediately received. 2. Credit business: There are all kinds of corporate credit business, among which warehouse receipt pledge business can provide convenient financing channels for spot customers and support customers to keep rolling forward; Personal credit business includes housing mortgage loan, non-designated real estate loan, personal shop loan, personal deposit certificate and national debt 15, and housing provident fund loan, provident fund loan and commercial housing portfolio loan are also offered. The highest proportion of housing mortgage loans is 80%, and the longest term is 30 years. We also provide housing loan support for reputable foreign employees and retirees. 3. Savings business: realize the universal deposit and withdrawal business among all outlets. No matter where you are in Dalian, whether you deposit or withdraw money, you only need to bring your ID card and walk into the nearest Bank of Communications outlet. 4. Wealth management: Our bank has a series of wealth management products with high yield and flexible time limit. 5. Pacific card business: Pacific card is a multifunctional electronic currency integrating local and foreign currency savings, transfer, consumption, micro-credit and other businesses, and it is a convenient choice for personal financial management. The deposits of Pacific Card "National Link" in 136 large and medium-sized cities across the country can be received in real time. Daily business 6. RMB settlement business: all settlement businesses can be handled at any time through the national electronic remittance system and Dalian city bill clearing system, and the inter-provincial and inter-regional remittance can be immediately received. 7. Credit business: There are all kinds of corporate credit business, among which warehouse receipt pledge business can provide convenient financing channels for spot customers and support customers to keep rolling forward; Personal credit business includes housing mortgage loan, non-designated real estate loan, personal shop loan, personal deposit certificate and national debt 15, and housing provident fund loan, provident fund loan and commercial housing portfolio loan are also offered. The highest proportion of housing mortgage loans is 80%, and the longest term is 30 years. We also provide housing loan support for reputable foreign employees and retirees. 8. Savings business: realize the universal deposit and withdrawal business among all outlets. No matter where you are in Dalian, whether you deposit or withdraw money, you only need to bring your ID card and walk into the nearest Bank of Communications outlet. 9. Wealth management: Our bank has a series of wealth management products with high yield and flexible time limit. 10. Pacific card business: Pacific card is a multifunctional electronic currency integrating local and foreign currency savings, transfer, consumption, micro-credit and other businesses, and it is a convenient choice for personal financial management. The deposits of Pacific Card "National Link" in 136 large and medium-sized cities across the country can be received in real time.