First of all, the first condition
1. The age is between 23 and 55 (inclusive) (subject to the ID card).
2. The applicant must live and work in Zhengzhou (I or my immediate family members own Zhengzhou real estate).
3. applicant's credit information: there is no overdue at present, not twice in 6 months, not three times in 12 months and not four times in 24 months.
the number of credit inquiries within two months shall not exceed 4 times (including this inquiry).
4. If there is no safe and inclusive. Whitney or Ping An Automobile can make a loan, and Ping An Securities can do it after settlement (Ping An Pratt & Whitney; Whitney, there is a Ping An policy plan or a Ping An policy)
The portfolio can make new loans).
5. Public security law and white households don't do it.
second, interest-related
interest has nothing to do with the type of loan, but with the nature of the applicant's work.
general customers: the one-year interest rate is different from the two-year and three-year interest rates.
(interest rate is 1.45%) 1, yuan, with one-year interest of 9,673.62, monthly repayment of 9,139.47
with an average of 8%
(interest rate is 1.53%) 1, yuan, two-year interest of 2,235.72 and monthly repayment of 5,9.82
.
excellent occupation: 1, yuan, with annual interest of 9331.83, monthly repayment of 911.98 (with interest rate of 1.4%)
1, yuan, two-year interest of 18,43.92 yuan, and monthly repayment of 4,934.62 yuan
with an average of 7%, 7
1, yuan and three-year interest of 27, yuan.
loan amount: 3, to 5,
repayment method: equal principal and interest.
loan period: 1-3 years, and the loan period for outstanding professionals can be relaxed to 4 years.
prepayment: prepayment within one year requires 5% of the remaining principal as penalty. There is no penalty interest for repayment for more than one year.
liability requirements: bank credit loans and credit cards are recognized as liabilities, while mortgage loans, car loans and mortgage loans are not recognized as liabilities.
The total monthly repayment shall not exceed 75% of the approved monthly income.
process: extract the customer ID card and check the access rights.
the customer brings all the information to the company, checks the credit information and submits the information.
sign before trial.
the average customer needs to come twice, and the loan can be released within two days at the earliest.
three. Loan plan
1. Mortgage house refinancing
The mortgage house in the applicant's name (shown in the credit report) includes residential mortgage, commercial and office mortgage, and repayment of the whole house mortgage contract with equal principal and interest or equal principal repayment for more than 3 years.
(credit information of most provident fund mortgage houses is not displayed)
loan amount = 45 times of monthly repayment amount (repayment period is 12-36 months or the mortgaged house is settled within one year)
monthly payment amount is 7 times (repayment exceeds 36 months and is not settled)
monthly payment amount is 1 times (repayment exceeds 6 months without settlement)
Preparation materials:
2. Insurance policy loan
Life insurance policies from 19 insurance companies including Heping, Xinhua, China Life Insurance, PICC, Taikang, Pacific, Taiping, Sunshine, China Life Insurance, Friendship, China-US Metropolis,
ICBC AXA, Allianz, China-UK, Minsheng, Tianan, China Post, China Netherlands and Huaxia are accepted.
the payment is normal, there is no return effect and there is no advance payment. Only the insured is accepted as the borrower. The applicant has not changed in the past two years.
up to three insurance policies of three insurance companies can be superimposed.
if it is paid 3 times in 2 years, the loanable amount = 2 times of the annual premium.
if it is paid 4 times over 3 years, the loanable amount = 3 times the annual premium.
if the payment is made 6 times in 5 years, the loanable amount = 4 times of the annual premium.
preparation materials: id card, real estate license or purchase contract, and insurance policy.
3. Provident fund loans
Regardless of excellent occupations and standard wages, the housing provident fund needs to be paid in full and continuously for 24 months or more in the near future, and the payment base (which can be understood as basic salary) is more than 4, yuan, and the payment is normal (the three parties cannot handle it). The company can change, but the payment can't be broken.
Henan provident fund needs to check the payment details online, and Zhengzhou provident fund needs to check the files on site (with printing).
loanable amount = 4 times of the contribution base of provident fund (4 yuan contribution base &; Lt8 yuan)
the base of the provident fund is 6 times (the base is 8 yuan)
if the payment base is over 8 yuan, you can enjoy the preferential interest rate:
1, yuan, with interest of 7293.36 yuan for one year, and the monthly mortgage amount is repaid
1 times (the house has to be repaid for 36-6 months)
.
four. Supplementary notes:
1. Additional credit
If the original first loan customer has paid for more than 12 months (inclusive) in a row and has never been overdue, he can apply for a second loan.
new loans, that is, new loans for original shares, and additional loans. The sum of the original inventory, the balance of the new loan and the second additional credit loan
is less than 5, yuan, and the additional credit line is 1,-5, yuan. The approval process remains unchanged. Sign first and then approve.
2. Common small loan companies and consumer finance companies include BOC Consumer Loan, Xingye Consumer Finance, Lacarra, Zhaolian and Gitzo Consumer.
(moving stages), etc. Credit loans issued by microfinance companies are not accepted, and mortgage loans and portfolio loans (excluding guarantees) are not affected.
ring.
3. High-risk posts in the public security system
cannot be handled, but civilian and management personnel can.
4. White households refer to customers who have no credit records or repayment records in recent two years.
5. If the loan is currently overdue, it needs to wait for the credit update. The credit card is currently overdue, and the overdue amount is less than 1 yuan. With proof of repayment, it can be directly imported.
6. There is a 7-day grace period for policy payment, and the effective date of the policy is the first day. 7 days is calculated as natural days.
7. Tripartite payment of provident fund: all the provident funds of foreign-funded companies are paid by three parties, and the payment unit is Henan Foreign Enterprise Service Corporation.
Yes. The other three companies are not allowed.
8. Non-financial institutions, such as small loans, consumer finance, trusts, finance companies, financial leasing, etc., will not be allowed to enter if the credit information shows that the loan amount exceeds 3,. If there are two loans from such institutions and the amount does not exceed 3, yuan, they can be admitted. Otherwise, it must be more than half a year before it can be operated.
if these institutions lend money, as long as the credit report shows that the bank lends money, it is no problem.
customers with Ping An Pratt & Whitney must have a Ping An insurance policy before they can apply, or they can settle Ping An Pratt & Whitney (if they have Ping An Pratt & Whitney, they need to check their access before entering). Related questions and answers: Why did they repay 7, yuan for a car mortgage loan of 4, yuan?
personal opinion, for reference only.
I just calculated the loan of 4, yuan to repay 7, yuan. Your loan is at least in 36 installments, and the interest rate is a little over 2 cents, less than 2.1. Converted to an annual interest rate of 24%, it is just stuck on the edge of the law. The annual interest rate of 24% is legally supported. Only when the annual interest rate exceeds 36%, the extra interest can be paid.
The interest level depends on the repayment time. You borrowed 7, yuan. How many installments did you pay it back? If it is five years, this interest is normal. Did you pay any messy fees when you took out the loan? If the car is mortgaged, it should not be divided into so many installments, because the car will depreciate, unless your car is of high value and your loan is only a small part.
It is not recommended that people do this product, unless it is the kind that black credit users can't do regular bank loans. The product of car loan has always belonged to the kind with higher interest in the industry. If the company you are looking for is not formal, there is no way to guarantee the safety of the car in the later period.
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