How to apply for a loan when working in KTV? How do KTV waiters apply for loans?

Nowadays, many banks and institutions treat people differently by profession. Civil servants and middle- and senior-level managers of large enterprises are definitely high-quality customers. It is more difficult for people in the individual, private, and mobile industries to apply for credit cards and loans. As a professional, How do service staff working in KTV apply for loans?

The applicant's occupation is also the main basis for banks to consider whether to approve a loan and how much to borrow.

After all, the bank wants to ensure that the money can be recovered after it is lent out.

The survey shows that for the same monthly salary of 5,000 yuan, civil servants, ordinary white-collar workers and migrant workers have the highest success rate in applying for loans. Banks are almost closed to migrant workers and will not apply for them. There is no chance of loan success. Banks consider career stability and income sustainability, not just the level of income.

KTV work itself is very hard, and the working hours are long every day, so the turnover of personnel is very high, and it is generally difficult for banks to approve it. So what should I do if I want to get a loan?

Method 1, mortgage loan

If your income is unstable, it is best to provide collateral as collateral to apply for a mortgage loan. Because any lending institution must consider the borrower's repayment ability. To check the repayment ability, one is through personal income, and the other is personal property. When obtaining a loan through a mortgage loan, lenders have never been so strict on the borrower's income requirements.

Method 2, find a loan company

Compared with banks, loan companies will not have such strict loan requirements for borrowers. If you have been denied a loan directly through the bank many times, you can try looking for a loan company. However, compared to banks, loan company fees may be slightly higher.

In addition, when applying for a loan through a loan company, borrowers need to understand the relevant charges in advance, because the expected annualized interest rate of loans from loan companies is much higher than that of banks, and making a repayment plan in advance can also be avoided. Overdue occurs.

I went to a foot bath shop to apply for a job as a waiter, and the shop asked me to get a loan for plastic surgery. I owed hundreds of thousands, and now I want to leave my job, but I don’t have the money to repay the loan. What should I do?

You took this kind of loan too hastily. If your application fails, you can find another job. The pedicure shop gives you a loan for plastic surgery. This is obviously a trap, and you have actually been fooled.

At present, you have two ways to get out. One is to ask your parents or relatives for help, and pay the money back first. Another is to see if you can get help through legal means.

My opinions are for reference only.

How much is the annual interest on a civil servant credit loan of RMB 300,000?

There are two algorithms:

1. Equal principal and interest repayment method: Total interest: 9177.67 yuan, accumulated Total loan repayment: 309,177.67 yuan,

Monthly repayment interest: 25,764.81 yuan;

2. Equal principal repayment method: total interest: 9,100.00 yuan, cumulative loan repayment Total amount: 309,100.00 yuan, monthly repayment interest: 26,400.00 yuan.

1. Civil servants (Civilservants), the full name of national civil servants, are public officials in various countries who are responsible for the overall management of economic and social order and national public resources, safeguarding national laws and regulations, and implementing relevant obligations. In China, civil servants refer to staff who perform public duties in accordance with the law, are included in the national administrative establishment, and have wages and benefits borne by the state finance.

2. Civil servant positions are divided into comprehensive management, professional and technical and administrative law enforcement categories based on the nature, characteristics and management needs of the position. According to the Civil Servant Law of the People's Republic of China, the State Council may add other job categories if the positions are unique and require separate management. The "Statistical Bulletin on the Development of Human Resources and Social Security in 2016" released by the Ministry of Human Resources and Social Security on May 21, 2018 shows that as of the end of 2016, there were 7.19 million civil servants nationwide.

3. The term "civil servant" is translated from the foreign language "civilservant or civilservice".

The original English meaning is "civilian attendant" or "civilian servant". Some people literally translate it as "the queen's servant", some people translate it as "civilian official" or "civilian official system", some people translate it as "civil servant" and "civilian official system", and some people translate it as "civilian civil servant". ”, perhaps this translation is more in line with the original meaning. In the United States, it is called "government employee"; in Japan, it was called "civilian official" before World War II, and after the war it was called "civil servant"; in France, it is called "civil servant"; in the Federal Republic of Germany, it is called "federal civil servant" or "federal official" ". In today's world, many developed countries and some developing countries have followed the example of the United Kingdom and the United States and other countries and established their own civil service systems, calling those who engage in official activities in the government "civil servants."