1. What are the ways to get loans?

There are three main types of loan channels.

The first is to get a loan from a bank. Advantages: As long as you are strong, there is no upper limit on the loan amount and the interest rate is relatively low. Disadvantages: The threshold for bank loans is relatively high, and the requirements for personal comprehensive strength, credit status, repayment ability, and guarantee conditions are relatively high.

In addition, you can also use a credit card and gradually increase the credit card, and you can usually get 200,000-300,000.

Second, the Internet is fast and has a low threshold, such as Alipay’s Jiebei and WeChat’s Weilidai. As long as you regularly use their AP to collect your information on a daily basis, they will provide you with a credit line. Disadvantages: Loan funds

The third is private lending. This is a matter of opinion. When you meet someone who thinks highly of you, it's very simple to renew your relationship. You can do it with just an IOU. If you encounter it, as long as you dare to borrow it, they dare to give it to you. I’m not afraid of you

There are many ways to get loans. Let me briefly list them for you: Bank loans

Currently, there are more than 3,800 banks in my country that can provide loans. The biggest advantage of bank loans is the comparison of interest rates. Low. Under normal circumstances, the annual interest rate for mortgage loans is between 6 and 8, and for unsecured credit loans is between 1 and 15.

However, it is generally difficult to apply for bank loans. If you don’t have any assets, it is difficult to get a loan from the bank. Licensed companies

Licensed companies are licensed technology companies, rural companies, etc. These companies generally have specific loans, and the amount may range from 100,000 to tens of millions. Unsecured companies

At present, there are many unsecured and unsecured companies on the market. These companies have a wide business scope. Individuals and businesses can apply, and the processing is more flexible. These unsecured and unsecured companies have a comprehensive monthly The cost is probably between 20,000 and 500,000.

Of course, if you have an insurance policy or a car, the interest will be relatively low. p2p platform loans

P2p platform loans mainly serve as an intermediary between the platform and the people who are rich and need money. The interest rate of the loan is similar to the unsecured interest rate. The amount depends on the project. specific needs. Online loans from big platforms

There are currently several types of online loans, and online loans launched by some big brands are one of them, such as Alipay loans, JD Gold Bars, Baidu Youqianhua, 360 IOUs, Xiaomi, and Wanda Loans, etc., the loan amount of these platforms is generally between 1,000 and 300,000, and the interest is charged on a daily basis, with the daily interest rate ranging from 1.5 to 60,000. Consumer loans

Consumer loans are popular in front of some consumer funds, but consumer loans are generally carried out in installments when you buy items, such as mobile phones or computers, and you can repay the money in 12 or 24 installments. Now

Cash loans are also very popular at present, but the current supervision of cash loans by regulatory authorities is relatively strict. Therefore, many cash loan platforms have ceased business. Cash loans are mainly used to solve short-term money shortages. The term is normal between seven days and 30 days. The general amount is between 500 yuan and 50,000 yuan. However, the interest rate of cash loans is very high, and interest is generally charged on a daily basis. The daily interest rate ranges from 1‰ to 5‰, that is, the interest rate for borrowing a thousand yuan per day is between one yuan and five yuan. If this interest is converted into an annualized rate, it will reach several hundred percent. , so unless it is absolutely necessary, it is recommended that you do not approach this kind of cash loan. Private loans

Private loans are also known as personal loans. Currently, private loans are quite confusing. It is recommended that you avoid contacting them.

Of course, in addition to the above loan methods, if you are a corporate customer, you have several other loan methods to choose from. One is supply chain lending.

Supply chain loan is a loan method for payment between upstream and downstream. For example, a wants to purchase a piece of goods, and then he applies for a loan of one million from financial company B, but the 1 million The loan is not given directly to a but directly to a's supplier c customer. Another option is equipment leasing financing.

Equipment financing means that if you need this equipment, you can find a financial leasing company to help you buy the equipment, and then you can repay it in installments, or only within a certain period of time.

Of course there are other loans, such as trade loans, which I won’t go into detail here.

Loans mainly come from five types of channels: banks, Internet companies, online lending institutions, consumption companies and companies. 1. Banks

The first type of institutions are banking financial institutions, such as large state-owned commercial banks, joint-stock commercial banks, city commercial banks, and provincial credit unions. Among them, the interest rates of large state-owned banks are relatively low. 2. Internet companies

The second organization is an Internet company. The more famous products of Internet companies include: Tencent’s Weilidai, Ant Financial’s Ant Borrowing, Baidu Youqianhua, etc. 3. Online lending institutions

The third type of institution is online lending institutions, mainly referring to p2p, such as Youwodai, Paipaidai, Renrendai, etc. Among online lending institutions, loan approval is the fastest and the interest rate is the highest. The interest rates of many institutions exceed the lower limit of 36 stipulated by the Supreme People's Government. 4. Consumer Finance Company

The fourth type of institution is consumer finance company. There are 17 consumer finance companies in my country, such as Bank of China Consumer Finance Company, China Post Consumer finance companies, etc. 5. Company

The fifth type of institution is a company. There are probably thousands of small loans and companies in our country, which are divided into online small loan companies and non-online small loan companies.

Among the above five types of institutions, the loan interest rates from low to high are banks, consumer finance companies, Internet companies, companies and online loans. It is recommended to apply for a loan from a bank first, followed by companies with a consumption amount, and online lending institutions rank last.

Friend, although I am a professional financial worker, your question makes it difficult for me to answer. In short, there are many ways to get loans.

Let’s put it this way, if your loan refers to a wide range of objects and is not limited to bank loans, in addition to the effective way of bank loans, you can also apply to formal financial institutions such as companies and financing companies. Leasing companies, finance companies, trust companies, theme finance companies (such as auto finance companies that provide loans specifically for car purchases), etc.; there are also private P2P platforms and other informal Internet finance companies.

But I told my friends that we should stay away from illegal lending companies to avoid falling into the whirlpool; the most reliable, safe, reliable, and low loan prices are banking institutions. There are many banking institutions, including large state-owned businesses. Banks include the five major banks of China Construction Bank, inter-regional large-scale joint-stock commercial banks, and local small and medium-sized commercial banks such as city commercial banks, rural commercial banks, rural credit cooperatives, etc.

Each bank may have inconsistent requirements for loan conditions. Some have high thresholds, some have low thresholds, some have very strict requirements, and some have relatively loose conditions. We cannot generalize. You can apply for loans based on your own conditions. Contact and deal with them according to the conditions to solve your loan needs.

As for the conditions you asked for a bank loan, the requirements of each bank may be roughly the same. Of course, there are some differences in details, which depends on your own conditions.

Normally, bank loan conditions require the following:

1. Conditions for personal credit loans

(1) The bank requires the borrower to have a second-generation ID card, Proof of stable employment, proof of income, and proof of loan purpose;

(2) Good personal credit status;

(3) There are also certain restrictions on the borrower’s income, generally The borrower's average monthly income is required to be no less than 4,000 yuan.

(4) After submitting relevant application materials and passing the bank review, you can apply for a loan of 5-8 times your monthly income.

2. Conditions for housing mortgage loans

(1) In addition to strong requirements on the borrower’s income and credit, the age of the house must be within 20 years, and the area of ??the house must be Greater than 50 square meters;

(2) The house has strong liquidity; the mortgage loan amount generally shall not exceed 70% of the appraised value of the house;

(3) In this way, when submitting relevant information, After being approved by the bank, you can apply for a loan of up to RMB 15 million with a term of up to 20 years.

3. Conditions for entrepreneurial loans for college students

(1) Current college students and college students who have graduated within two years;

(2) College degree or above;

(3) Over 18 years old.

Relatively speaking, the application conditions for this type of loan are relatively loose. You only need to submit your student ID, transcripts, statements and other information to the bank. After approval, you can obtain the loan.

4. Conditions for self-employed loans

(1) Must have full civil capacity and have a local household registration;

(2) Have a fixed local business location , and have a stable income;

(3) Be able to provide legal collateral (pledge);

(4) Open a deposit account in the lending bank. After meeting the above conditions, submit the information required by the bank for review.

5. Conditions for home mortgage loans

(1) Have a valid ID card and proof of marital status;

(2) Good credit record and repayment Willingness;

(3) Stable income;

(4) Commercial housing sales contract or letter of intent for the purchased house;

(5) Having the ability to pay for the purchased house Ability to pay for the first installment of a house;

(6) Open a personal settlement account in a bank and have a valid guarantee.

After meeting the above conditions, just submit the application information to the bank, and the bank will review and decide whether to lend.

Now here are the specific loan conditions of several banks for your reference:

First, what are the conditions for a Construction Bank loan:

1. There must be a fixed Income depends on salary details;

2. Be 18-50 years old and repay the loan before the age of 65;

3. If the loan is used for business or car purchase, it must be guaranteed The mortgage requires the borrower, the borrower's spouse, and other assets that can be traded on the market, such as commercial housing and commercial buildings, as collateral. The guarantee must be in the form of a natural person guarantee, and the guarantor must be a CCB VIP customer;

4. No bad credit record. The monthly payment shall not be higher than 50% of the family’s salary income.

Second, what are the conditions for a Bank of China loan:

1. A natural person with full capacity for civil conduct;

2. Valid proof of personal identity;

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3. Have the legal ability to repay the principal and interest of the loan;

4. Have good personal credit;

5. Hold a car purchase contract and agreement recognized by the handling bank or a letter of intent to purchase a car;

6. Provide mortgage/pledge recognized by the handling bank or an individual or unit with sufficient solvency to provide a third-party irrevocable joint liability guarantee; or provide an individual that meets the requirements of the Bank of China Personal "Interim Measures for the Administration of Revolving Credit Loan Quotas" corresponding information on customer access conditions;

7. Proof of ability to pay the first installment of the car purchase within the limits stipulated in these Measures;

8. Bank of China Other conditions specified.

Third, what are the conditions for a Postal Savings Bank loan:

1. A farmer’s bank loan requires the borrower to be married, while a merchant bank loan requires the borrower to have a business license, and Normal operation for more than half a year;

2. Have full capacity for civil conduct, good health, and the ability to work, produce and operate;

3. Two family members are in the labor force and are 18 years old Between 60 years old;

4. Have a local household registration or have lived there for more than one year;

5. 1 to 2 natural persons need to be provided as guarantee. The guarantor must be a national civil servant, People with stable incomes such as teachers and doctors may form a joint insurance group of 3 to 5 households;

6. Have a stable business location.

Friends, it will be clear at a glance by comparing the loan conditions and requirements of the bank. If you want to get a loan, just compare the requirements and complete them one by one. I wish you a successful loan!

Bank loans generally include credit loans, mortgage loans, and housing loans.

First: Credit loan

For credit loans, taking China Merchants Bank as an example, there are flash loans for debit cards and e-recruitment loans for credit cards. They are all within the category of credit loans and do not require any information. The main thing is The credit bureau will pay more attention to it, and the maximum is 300,000. Second: Mortgage Loans

The most popular loans now are mortgage loans, which generally require real estate in the local area or surrounding cities.

Third: Home loan

It is the loan needed to buy a house. For first-hand houses, there are special partners. For second-hand houses, you can consult the bank directly.

Loan channels are generally divided into four categories: the first choice is definitely bank loans, then consumer finance, then small online loans, and finally private loans!

Bank loans, bank loans are well known for their high loan limit, low interest rate and flexible repayment methods! Of course, his requirements are relatively high. If you apply as an individual, you generally need to have a house, a car, social security, provident fund, salary payment, and an insurance policy. You can apply by combining these conditions. For example, if you have a salary of more than 5,000, and a provident fund base of more than 5,000, you can get loans from many banks. Moreover, his requirements for credit reporting are relatively high.

Consumer finance, generally there are consumer finance companies under banks, such as the common Bank of China Consumer Finance, Industrial Consumer Finance, Dashu Finance, etc. Their requirements are lower than those of banks. a lot of. Ordinary office workers can do it if they have a provident fund with a minimum base of 2,200, but the interest rate is a little higher than that of banks, which is basically about 1 cent.

Small online loans, companies, such as online Jiebei, Weilidai, Baidu Youqianhua, 360 IOU are all small online loans, offline companies like Bomin, Zhongan, Ya The interest rates of Lian Finance, etc. are a bit higher than those of consumer finance, basically between 1 cent and 3 cents. The requirements are relatively low, as long as you have social security or salary payment.

In private lending, there are many people who specialize in lending, and the interest rates may be high or low, but many are. Some require collateral, while others are pure credit. The water is very deep, so we recommend you not to touch it easily.

As people’s consumption levels increase and the pace of life becomes faster, people will take out loans when they need to circulate funds. So what are the main ways to get loans? What qualifications are required for a loan? 1. Loan methods

1. Bank loans

When it comes to loans, the first thing that comes to everyone’s mind is bank loans, which is also the most commonly used method at present. For example, among large state-owned commercial banks, joint-stock commercial banks, city commercial banks, and provincial credit unions, the interest rates of large state-owned banks are relatively low. The interest rate of bank loans is relatively lower than that of other institutions, but the approval time will be longer, and bank loans are generally for high-quality customers, so the threshold for users is relatively high, and if the information is incomplete, it will As a result, the approval is not passed or the quota is reduced.

2. Loan companies

Since banks have limited loan users and demand exceeds supply, loan companies have emerged. Some loan companies do not require mortgages, but their interest rates will be very high. Currently, there are many unsecured and unsecured companies on the market. These companies have a wide range of business. Individuals and businesses can apply, and the processing is more flexible. These companies The monthly comprehensive cost of an unsecured and unsecured company is about 2.5, and the limit is generally between 10,000 and 500,000.

There are also some loan companies that hold licenses. These companies generally have specific loan destinations. The interest is about 1.5 per month, and the amount can range from 100,000 to tens of millions.

3. Online loans

Everyone is familiar with online loans. Especially in recent years, many online loan platforms have emerged. Their characteristics are low thresholds and high loan amounts. , the approval is fast, basically it is completed online, and the approved amount will be credited to your account in seconds. The loan amount of these platforms is generally between 1,000 and 300,000, and the interest is charged on a daily basis, with the daily interest rate ranging from 1.5 to 60,000 percent.

4. Consumer loans

Many people have never heard of consumer loans, but they have used them. What is consumer loans? It means that you do not need to pay the full amount when purchasing goods. You can pay in installments according to your own situation, but at the same time, you will also be charged a certain installment fee. Currently, with the use of online consumption, the number of consumer loans has gradually increased.

2. Loan qualifications

According to bank standards, your credit report plays a decisive role, which means that you have no overdue bad debt records. Generally, there are If you fail to do so three times in a row, you will be directly blacklisted by the bank. The second is your financial situation. Your income can be referenced through bank statements, and fixed assets are also bonus points for loans. Basically, if your credit record is good and you have the ability to repay the loan, the bank will issue a loan. Banks are the most demanding of all loan channels. If a bank can successfully obtain a loan, other channels will certainly be able to do so.

According to the current real estate bank loan data, the down payment for mortgages in second-tier cities is generally 30%. The first-home mortgage ratio in first-tier cities in Beijing, Shanghai, Guangzhou and Shenzhen is 35 to 40%. In order to promote real estate sales in third-tier and fourth-tier cities , there may be a 20% mortgage situation. Therefore, the percentage of the down payment for buying a house is not your choice, but is determined by the corresponding lending bank, and these banks often have signed agreements with real estate developers in advance. To purchase a house in a corresponding real estate, you can only find a corresponding bank for a loan. There may be 1 to 3 banks that can apply for loans at the same time. Then you need to ask different banks about their down payment ratios and whether there are any discounts.

Ride the bull and watch the bears. I still remember that 10 years ago, the bus was 1 yuan, but now it is 2 yuan; . . . . . The prices of many things are rising. If we look at the housing prices 10 years ago, they have increased several times. We can only exclaim that "money is becoming less and less valuable." This is mainly because of the continuous development of social economy. People's "purses" are getting warmer and warmer, and money is constantly being issued, which invisibly leads to inflation.

In fact, from the perspective of currency depreciation, currency is a medium for transactions. When currency is over-issued, devaluation will follow, which will trigger the emergence of inflation. So now, looking at 10, 20, or 30 years from now, no matter how much inflation is suppressed, it will grow according to certain economic laws. The growth rate can be controlled through macroeconomic control, but it is almost impossible to completely curb it. Therefore, when buying a house, home buyers You should choose long-term repayment periods of 20 and 30 years, so that the pressure will become less and less as time goes by, and you will have more money to use to buy cars, do business, invest and other ways to make money.

Let me tell you a joke first. When I was still working as a teacher, I went to a credit union in our town to prepare a loan to start a business.

The loan officer of the credit union was desperate. Lend it to me. It's unreliable to say that I'm not married yet and I don't even have a family...

Okay, no kidding, let's get back to the story. What are the conditions for a bank loan? 1. Credit reference 2. Mortgage Generally speaking, when doing small loans in banks, you spend more time in credit inquiries

When doing small loans in banks, whether you are borrowing over the counter or at the bank When taking out a loan in the APP, the first thing you need to do is check your credit score.

If your credit report is fine and you have never been overdue with the bank, there is basically no problem. However, if you take a loan over the counter, even if your credit report is fine, but your loan record is quite confusing, you will be treated as a dishonest person.

Therefore, the loan should be operated through the bank APP as much as possible. It's better to deal with computer programs than with people. They only understand rules. If the credit report is OK, the loan will be OK. When making large loans, you need to use a mortgage

If you want to make a large loan with a bank, and you are not very famous or powerful, then the bank will not only check your credit report In addition to recording, you will also be asked to show collateral.

My brother works in engineering in Guangxi.

The year before last, because I was working on a project, the superiors never settled the project funds. The workers needed wages and caused trouble on the construction site

Later, in order to pay the workers wages, my brother took out a mortgage loan from the bank and pledged the property. It was the house where he lived

With the collateral, the bank gave him a loan. I borrowed hundreds of thousands

The above are the ways to get a loan from a bank and the information you need to use. If you also want to get a loan from a bank, you might as well read more.

Several loan channels across China:

First, bank loans: Applicants are required to have good conditions, especially good credit and a close relationship with the bank;

①The punch-in salary is more than 5,000

②There is a social security provident fund (individual payment is more than 600)

Second, formal financial institutions: loan review is slightly looser than banks, but good collection A letter is also a necessary condition;

①The applicant has commercial insurance in his name

②The applicant has national monthly housing in his name

3. P2P lending platform: application conditions It's relatively loose, but the interest rate is relatively high;

You can apply for a loan normally without anything as long as your credit report is good.

2. Who are the loan recipients of personal business assistance loans?

Application for personal business assistance loans: Basic provisions 1. Loan recipients: natural persons engaged in legal production and business operations. 2. Loan limit: The minimum total credit limit is 50,000 yuan, and the maximum limit is 3 million yuan. 3. Loan term: The validity period of the credit line is up to three years, and the term of a single loan under the line shall not exceed two years. 4. Loan interest rate: in accordance with the relevant regulations of the People's Bank of China and the Head Office. 5. Guarantee methods: Guarantees are provided in the form of mortgages, pledges and guarantees, but guarantees provided solely in the form of third-party guarantees are not accepted. 6. Application materials that need to be provided: 1. The original and copy of the valid identity documents and marriage relationship certificates of the borrower and his spouse; 2. The local permanent residence or local long-term residence certification materials of the borrower and his spouse; 3. Those engaged in production and business Business license. If you engage in license-based operations, you should provide the original and copy of the business license from the relevant administrative department; 4. Proof of tax payment for production and business activities; 5. Proof of the borrower’s spouse’s commitment to repay the loan simultaneously; 6. The borrower obtains the pledge rights certificate, the list of mortgage (pledged) items and ownership certification documents required for the pledge and mortgage loan amount, and the written document of the owner and property owner agreeing to the pledge and mortgage; 7. China Construction Bank 2 Collateral valuation report issued by an appraisal department recognized by the branch (including above); 8. Other information required by China Construction Bank. Application channels and procedures 1. Application channels: Customers apply for personal employment assistance loans through the designated business institutions of China Construction Bank 2. Application procedures: ① The borrower who applies for a personal employment assistance loan must present the relevant application materials specified by China Construction Bank to the loan The bank submits an application, fills in the application form, and submits relevant information; ② After the account manager conducts an on-site investigation and reviews and agrees, the account manager reports to the department with the authority for approval. After the bank approves and agrees, the bank signs a loan contract with the customer; ③ The account manager handles the loan procedures and transfers the loan to the customer. The money is transferred to the borrower's settlement account opened by our bank, and the customer can use the loan funds; ④ The borrower repays at the business counter, or leaves sufficient repayment amount in the deposit account or bank card, and entrusts the lending bank to deduct it Repayment; ⑤ After the loan is settled, the business outlet will return the mortgage (pledge) right certificate to the customer.

3. Who is the Bank of China Great Wall Ice and Snow Debit Card applicable to?

Any individual who voluntarily abides by the "Regulations of the Great Wall Debit Card of Bank of China Co., Ltd." and meets the conditions for opening a personal settlement account can apply for it with his/her real-name valid identity document stipulated by the People's Bank of China.

The above content is for your reference. Related product/business policies, operating procedures, charging standards and other information shall be subject to the time you actually handle the business. If you have any questions, please continue to consult the online customer service on the official website of Bank of China. If you have other business needs, you are welcome to download the Bank of China mobile banking APP or follow "Bank of China Micro Banking" on WeChat to continue consultation and handle related businesses.

4. Who are the applicable objects of Bank of China’s personal business loans?

Applicable objects of personal business loans of Bank of China:

Natural persons include individuals, rural contract operators, individual industrial and commercial households approved and registered in accordance with the law, small and micro business owners, etc. For detailed information, please consult the Bank of China acceptance outlet.