What is a Bad-Credit Loan?

Personal credit loans are RMB credit loans issued by banks or other financial institutions to creditworthy borrowers without providing guarantees. When applying for a personal loan at a bank, the bank has requirements for the use of loan funds.

Personal credit loan

Personal credit loans are RMB credit loans issued by banks or other financial institutions to creditworthy borrowers without providing guarantees. When applying for a personal loan at a bank, the bank has requirements for the use of loan funds.

Generally banks will require loan applicants not to use the loan funds for

When a borrower applies for a personal credit loan from a bank, he must fill out an application form in writing and submit the following information:

1.I

As long as you maintain and have good personal credit, you can obtain a certain amount of bank loans without guarantees. For customers who meet the requirements of specific access customers, you can also enjoy more preferential services.

1. Have a fixed residence in China, have a local

The term of the loan is generally 1 year (inclusive), and the longest is no more than 3 years. Personal credit loans are generally not renewed, and if it is truly impossible to repay the loan due to force majeure or accidents, the loan can be renewed once the bank has agreed to the loan within 1 year. (Including the extension period) must not exceed 1 year. and

Personal credit to obtain personal credit loans, what materials should we prepare? caution:

1. First of all, you must have a valid ID, provide a registered account and have full capacity for civil conduct;

2. Have a stable occupation and good income. If you receive your salary through bank transfer, you need to submit a certificate of flow of salary cards;

3. The unmarried person submits a certificate of unmarried, and the married person must submit relevant information of the spouse and family members;

4.Has a fixed account with the bank applying for the loan;

The above 4 items are the most basic information. Because each person applies for different institutions, in addition to appealing a few basic conditions, each financial institution will also meet some relatively specific provisions of its own institution, depending on the conditions of the institution So, please also have friends who have loan needs to know from the specific institution you choose, fill in the prescribed form and submit it to the loan institution of your choice, and the next time is to wait.

The formal bank process is: First, the borrower needs to submit to the bank a series of materials in addition to the identity card, including

(1) Loan application approval form;

(2) Proof of residence address;

(3) Occupation and

1. Applying for a personal microcredit loan, whether it is a bank loan or a financial institution loan, requires the lender to have the ability to repay. In other words, those who claim that they can lend to you without any conditions must not believe it.

2. Many people ask whether the loan can be obtained with an ID card. Identity cards are documents that prove personal identity and cannot prove personal credit. Therefore, with only an ID card, any formal lender will not pass the loan review.

3. As the saying goes: It is not difficult to borrow and repay. Regardless of whether you are borrowing through a bank or a financial institution, you must ensure that you repay on time, so that the next time you need a loan, you will make the other party recognize your creditworthiness.

One: "Insufficient qualifications" is the most beautiful excuse for banks

Many people who refuse to apply for a loan will feel that happiness is always so full and reality is always so skinny. In fact, there are many reasons for the failure of the loan. It may be that the bank credit commissioner does not know the industry of the loan applicant. It may be that the bank's credit limit is full when applying for a loan. . But no matter what the circumstances of the loan failure, the answers you often get are: personal qualifications are not enough, collateral does not meet, no guarantee, etc.

Therefore, do nt think that a rejected loan application is a cup. In many cases, you may find a few different banks to apply or even apply a few times, often with different results.

2: No loan here, own loan office

Applying for a loan is actually the same as volunteering for the college entrance examination. The loss of a school does not mean that all schools have closed the door to you. In the same way, a loan failure at a bank does not mean that the bank has closed the door to you, because a bank has many branches, and this one rejects you, not necessarily other branches will reject you; one bank rejects you , Does not mean that other banks will also reject you; one

Can I get a loan from a bank without a mortgage or a third party guarantee? Yes, but you need a good credit history and stable income. In the context of the continuous tightening of credit and the regulation of the property market, many banks have begun to shift their attention from personal housing loans to personal credit loans. Ping An Bank, Ningbo Bank,

For those who can provide proof of loan use, loan applicants need to provide relevant information. For example, the purpose of applying for a loan is to purchase a car, then materials such as a car purchase contract or a car purchase invoice need to be provided; if the loan is to be used for decoration, a decoration contract must be issued to the bank.

If the loan cannot provide proof of loan use at the time of application, the borrower generally needs to write a statement of loan use. The format is as follows:

I apply for a personal credit loan of XX million yuan from XXX bank.

I solemnly declare that the real purpose of the loan is XXX people's overseas travel funds, and I agree to abide by the loan contract. If the use of the loan is changed without authorization, all consequences shall be borne by myself.

Declarant:

year month day

The statement of the purpose of the loan is issued to the bank, on the one hand, in order to avoid the legal risks that the borrower may have after the loan, and on the other hand, it also imposes certain restrictions on the legitimate use of the loan by the loan applicant.

It will affect future loan interest rates and repayments.

The daily inspection of personal credit loans is the responsibility of the sub-branches. The investigating branch of the handling office shall verify the changes in the borrower's family, occupation, property and repayment ability on a quarterly basis. In the event of arrears in the principal and interest of the loan or the occurrence of loan risks, timely resolution measures shall be taken. If one of the following situations occurs in a personal credit loan, the handling branch shall immediately convert the loan by increasing the pledged property approved by the Bank and optimizing the loan guarantee conditions to reduce the loan risk or recover the loan according to law.

1. Changes in the borrower's income situation have a significant impact on its ability to repay;

2. The borrower refuses or obstructs the sub-branches to supervise and inspect its income and expenditures and loans;

3.The borrower uses the loan for projects explicitly prohibited by national laws and financial regulations;

4. The borrower provides false documents, materials or other false information, which endangers the safety of the bank's credit funds;

5. The borrower has not repaid loan interest for two consecutive periods;

6. The borrower has an event (such as involved in litigation, arbitration or other administrative or legal disputes) that affects its ability to repay debts or lacks sincerity in repaying debts;

7. The borrower's death, disappearance or loss of civil capacity;

8. Other circumstances that the Bank believes may impair the safety of credit funds.