This article will talk about Shenzhen doctor loans and the corresponding knowledge points on how to get Shenzhen doctor loans. I hope it will be helpful to you. Don’t forget to bookmark this site.
How much can a teacher get a loan if he has a doctor as a guarantor?
A teacher can get a loan of RMB 100,000-200,000 if he has a doctor as a guarantor. The credit card loan limit generally does not exceed 10 times the personal monthly income, and the maximum does not exceed 50 times. The bank loan process is as follows: Step 1: The employee applies for a loan to the bank and submits relevant information; Step 2: The bank reviews it, and after passing the review, both parties will sign a contract; Step 3: The bank issues the loan, and the lender follows the contract. Repay the loan principal and interest on time; Step 4: Repay on time and have a good credit record.
How do private dentists apply for bank loans
When applying for a loan, the lender needs to prepare information into the following categories:
1. Personal identity certificate: Identity certificate, residence permit, household register, marriage certificate and other information;
2. Provide proof of stable income source: bank statement, labor contract, etc.;
3. Provide proof of stable address : Such as house rental contract, water and electricity payment bill, property management and other related certificates;
4. Other information specified by the bank.
What is the maximum amount of Citi Happy Gardener Physician Loan?
The maximum amount can be 500,000 yuan; in principle, the maximum credit loan amount is 300,000 yuan; the maximum guaranteed loan amount is 500,000 yuan; the housing loan can be relaxed appropriately. Citi Happy Gardener/Physician Loan is a loan product launched by Citibank for specific groups of teachers and doctors. Applicants only need to show their teacher or doctor qualification certificate to apply for a loan amount of up to 500,000 and a preferential loan interest rate. For various consumer needs such as travel, study, decoration, etc.
Currently, Citibank’s Happy Gardener/Physician Loan is only for customers who work and live in Beijing, Shanghai, Guangzhou, Shenzhen or Chongqing. The monthly pre-tax income is required to be above 4,000, and bank statements must be provided to meet the conditions. Loans do not require collateral or guarantees. The loan application materials required by Citibank include: application form, ID card, proof of residence (bank statement, utility bill, real estate certificate or household registration book), proof of income (tax payment certificate or bank statements for the last 3 months or more, etc. ), teacher qualification certificate or physician qualification certificate.
Currently, Citibank’s personal interest rates are mostly in the range of 1.4~1.65%. When lending, the bank will adjust the interest rate based on the actual situation of the borrower. Once the loan is issued, the loan term interest rate will not change. Loan terms are available in 6, 12, 24, 36 or 48 months. Citibank's Happy Gardener/Physician Loan supports various reasonable consumption purposes such as home purchases, decoration, study, weddings and banquets. Relevant proof of purpose is required before and after the loan is issued.
1. Loan recipients
Public school teachers with teaching qualifications should have vocational preparation or receive the same treatment as vocational preparation. Private school teachers should pay pension insurance and other social insurance for more than one year in accordance with the law. .
2. Purpose of loan
Comprehensive consumption needs such as housing decoration, education, medical care, tourism expenditure, purchase of non-commercial vehicles, durable consumer goods, etc.
3. Loan amount
In principle, the maximum credit loan amount is 300,000 yuan; the guaranteed maximum loan amount is 500,000 yuan; housing loans can be relaxed appropriately.
4. The loan period
Shall be reasonably determined based on the loan amount, loan purpose, comprehensive repayment ability, etc., and in principle shall not exceed 5 years.
5. Loan interest rates
We have preferential interest rates for "Gardener Loans", with the lowest interest rate being 6.96%.
6. Guarantee method
It can be handled through a "family loan" guaranteed by family members, or through credit, guarantee, mortgage, pledge, etc.
7. Repayment methods
You can flexibly use regular interest settlement, principal repayment at maturity, average capital, equal amounts of principal and interest, etc. Medium and long-term loans of more than 1 year should be repaid in installments.
What are the requirements for a gardener loan:
1. Have teaching qualifications, including public school teachers, private school teachers and public school non-teachers;
2. Pay social security for more than one year;
3. Have good credit and no bad personal credit record;
4. Have stable income and the ability to repay;
5 .Comply with other requirements of rural credit cooperatives.
Which bank in Shenzhen can lend money with a debt of 130,000?
Minsheng Bank. Shenzhen Minsheng Bank with a debt of 130,000 can get a loan. The bank has a high approval rate, but it cannot exceed 2 loans, and it is limited to civil servants, teachers, doctors, executives of listed companies, and financial practitioners.
Does Shenzhen Bank of Communications have a policy of providing free loans to medical personnel?
Shenzhen Bank of Communications currently does not have a policy of providing free loans to medical personnel, but it can provide discounts based on the actual situation of the customer. Loan services.
Does the doctor have an interest-free loan of RMB 200,000?
Yes. If the guarantor is a national civil servant or a teacher, doctor or other person with a stable job, the interest-free loan can reach 200,000. Doctor, a person who studies medical science and technology, saves lives and treats diseases as a profession, generally refers to a clinician. In accordance with the laws and regulations on medical and health management regulations of the Ministry of Health, the National Health Commission, and the Ministry of Medical Affairs, preside over doctor-patient communication, academic discussions, new technology promotion, prognosis analysis, and public education.
That’s it for the introduction of Shenzhen doctor loans.