A bank personal loan is a small, short-term, or long-term, large-capacity RMB loan that a bank issues to customers for legal business activities.
Personal bank loan
A bank personal loan is a small, short-term, or long-term, large-capacity RMB loan that a bank issues to customers for legal business activities.
Chinese name
Personal bank loan
Foreign name
bank personal loan
Provided by various banks
1.has
Information to be issued and provided
1,
1. Repay the loan in equal monthly amounts in accordance with the signed payment contract. Customer should
Kind item
Personal bank loans: RMB loans issued by banks to customers for small, short-term, or long-term, large-scale capital turnover required for legitimate business activities.
Bank personal loan applicant conditions are usually as long as
I. Personal Housing Loans
1. Commercial loans for personal housing
Personal housing commercial loans are self-operated loans issued by bank credit funds. They refer to natural persons with full capacity for civil conduct. When purchasing urban self-occupied housing in this city, the property rights purchased by them are used as collateral as guarantee for loan repayment. Commercial housing loans applied to banks.
2. Personal housing provident fund loan
Personal housing provident fund loans are entrusted loans issued by policy-based housing provident funds. They refer to employees who pay housing provident funds and purchase, construct, renovate, and overhaul their own dwellings in cities and towns in the city, using their property ownership housing as a mortgage Property, a housing provident fund loan applied to the bank as a guarantee of loan repayment.
3. Personal housing portfolio loan
Borrowers who meet the requirements for personal housing commercial loans simultaneously deposit housing provident fund, while applying for personal housing commercial loans, they can also apply for personal housing provident fund loans from banks, that is, the borrower uses the city's own residential housing as a mortgage Property can apply to the bank for a personal housing provident fund loan and a personal housing commercial loan at the same time (this loan method is referred to as a personal housing portfolio loan).
Personal car consumer loans
Third, personal durable consumer goods loans
Fourth, personal consumption loans
V. Personal microcredit loans
Personal microcredit loans are RMB credit loans issued by banks or other financial institutions to creditworthy borrowers without providing guarantees. Based on personal credit and repayment ability, the amount generally does not exceed 100,000-200,000, and the loan period ranges from 1-2 years. Several commercial banks have started this business one after another. Zhongan Credit is the largest microfinance lending institution in China, with many branches across the country and a good reputation.
Non-residential mortgages
1. Installment loan
2. One-off loan
3. Credit card loans: Credit cards refer to any card, disk and other tools that can be used at any time and repeatedly to borrow or purchase goods and services in the form of credit.
Service Features
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.
Application conditions
1. Chinese citizens who have a fixed domicile, permanent residence in a local town, and have full capacity for civil conduct in China;
2. Have a good job with a legitimate and stable economic income, and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal behavior and bad credit records;
4. There is no bad record on the national credit record;
