How do I get a personal loan from a bank? How much can I borrow?

I. Application conditions
How to proceed to apply for a personal business loan conditions.
First, at least 25 years old, with full civil capacity; and have permanent residence or valid residence documents in China.
Second, have a fixed occupation or stable economic income, and can guarantee the ability to repay the principal and interest on schedule.
3, good credit record, no bad credit record.
Fourth, able to provide a bank-approved, legal and effective guarantee.
Fifth, other conditions stipulated by the bank.
Generally, you need to meet the above conditions, you can apply for a loan from the Business Development Bank.
II. Application procedure
1、The customer signs a subscription letter with the real estate development 引伸波幅company that has signed a contract with the bank and pays the first installment of the purchase of the business process room to the real estate development company.
2, for application: customers to the bank can be entrusted to the law firm for mortgage application procedures, including the submission of personal information, payment of various management fees, fill out the accounting legal system documents.
3, the goods review: law firms can apply to the customer information for preliminary examination, followed by the development of the Bank of China for management approval; if the review does not pass, return the customer data and fees charged.
4、Other legal procedures: the law firm on behalf of the insurance, notary and mortgage registration and recording of collateral.
5, the issuance of loans: the bank will be the corporate loan company payments to the developer's account, and notify the customer relationship to start the supply of buildings.
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Personal loans do not want to "step on the pit", what to pay attention to?
Affected by the 2019 coronavirus disease, not only has there been a temporary私人貸款利息tightening of corporate liquidity, but some individuals are also facing this problem. Recently, a friend suggested to Sheng Caijun, "I heard that some commercial banks are offering discounted interest rates on personal consumer loans, and I want to borrow some money for working capital, but I am afraid that improper operation will cause me financial losses." ."
Personal loans do not want to "step on the pit" what to pay attention to? Today, the money of the gentleman to tell you in detail.
First, we need to understand the type of loan.
"Loan is a form of bank or other financial institutions to lend money in accordance with certain interest rates and conditions." The relevant person in charge of the China Merchants Bank said.
Specifically to individuals for loans, according to the terms of security can be divided into two types, one is a corporate credit risk loans, the second is the guarantee agency loans. Among them, credit loans are borrowing without collateral, based on your personal credit; and secured loans, including guaranteed loans, mortgages, pledged loans and portfolio secured loans, which require certain assets as collateral, or guarantor guarantees.
According to the purpose of the loan, personal loans can be mainly divided into personal housing loans, personal business loans and personal consumer loans, etc. In addition, there are agricultural loans to support farmers and student loans to assist in their studies.
The aforementioned person in charge said that knowing in advance some problematic loan product types for students can help improve our ability to turn to financial service institutions when we need money urgently to solve urgent needs.
So, what factors do we need to consider before we apply for a loan?
I want you to pay attention to three things. One is the location of the loan, the second is the interest rate of the loan, and the third is what kind of loan product I need.
In terms of loan channels, there are banks and other large financial lending institutions, as well as microfinance companies and online lending platforms. Because of favorable interest rates and strict regulation, normally everyone will give priority to large lending institutions such as banks. However, if there have been credit problems, it is difficult to get a loan from these institutions, and you need to consider loan companies or intermediaries.
Looking at the loan market interest rates, the bank's loans will carry lower interest rates than other state institutions, but the lender qualification management requirements are more stringent. If we do not consider a corporate loan company or intermediary company, we will need to bear more interest.
From the perspective of loan products, it is important to choose some suitable products according to your loan usage and repayment convenience. For example, some corporate loan company products are designed to be repaid on a pay-as-you-go basis, with interest accruing based on the number of days borrowed; or micro-credit consumer loans that we can lend directly without collateral, etc.
In addition, there are slight differences between institutions in terms of loan amount, lending speed, repayment methods, brand influence, etc. It is recommended to choose the loan that suits your needs.

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