There are about 50 formal credit loans and more than 30 car loans in Changsha. The formal and reliable ones are China Post, Bank of China, CreditEase, Ping An, etc. The more reliable Zhongan Credit Industry Enterprise companies that specialize in providing quick and easy, unsecured and unsecured small personal loan services for individual industrial and commercial households, small business owners and low-income families have opened branches in Changsha

There are many loan companies in Changsha, each The application materials required by the company are different, and the interest rates are also different. It is recommended to apply for a bank loan, which has a lower interest rate.

Conditions for loan business:

1. Natural persons aged 18 to 65 years old;

2. The actual age of the borrower plus the loan application period should not Over 70 years old;

3. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

4. Have good credit, no bad records, and the loan purpose is legal;

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Documents required for a loan:

1. Valid identity document;

2. Proof of permanent residence or valid residence certificate, and proof of fixed residence;

4. Bank statements;

5. Proof of income or personal asset status;

6. Credit report;

7. Loan usage plan or statement;

The loan procedure is that you submit your personal loan requirements and general information to the bank or loan product agency, and then the bank will review the loan applicant's The loan application will be initially reviewed, and a dedicated person will be arranged to contact the loan applicant. If the loan applicant passes the preliminary review after contact, the loan applicant will be guided to provide the required materials, and then reviewed again, and finally the loan will be granted.

There are countless formal credit companies in Changsha

Personal business loans: take advantage of preferential policies

Mr. Liu has been working for others since he was laid off in 2000. Later, he Having the idea of ??starting his own business, he decided to open a single apartment. According to the budget, the cost of decoration and purchasing simple furniture is 30,000 yuan; the landlord requires one year's rent in advance, and 10,000 yuan is required for three houses, so the overall start-up capital is 40,000 yuan. Under the guidance of a friend, he used the reformed house he lived in as collateral and went to the bank to apply for a business loan. After getting the loan, Mr. Liu discovered that not only was the loan procedure simple, but it also enjoyed a 20% discounted interest rate. Relying on this business loan, Mr. Liu's single apartment was quickly opened, and the business was very prosperous. After deducting loan interest and other expenses, the net monthly rent income was about 2,000 yuan.

Entrepreneurship loan refers to a special loan issued to individuals who have certain production and operation capabilities or are already engaged in production and operation activities. They apply for capital needs due to starting a business or re-starting a business, and the bank recognizes the effective guarantee. Nowadays, Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, Shanghai Pudong Development Bank, CITIC Industrial Bank, Bank of Communications, etc. have launched personal entrepreneurship loan business. For example, the first personal entrepreneurship loan center established by Agricultural Bank of China in Sichuan Province can be used through shops, Housing, securities and other mortgages, pledges, and capable people provide guarantees for loans, with a maximum loan amount of 2 million yuan.

Mortgage Loan: Make money by pledging other people’s property rights

Mr. Zhao was originally a driver in a factory. After his company implemented a buyout of seniority and received a compensation, he became a unemployed persons. At this time, highway construction began in his area. Civil construction projects required a large number of construction vehicles. However, most project contractors now use outsourcing methods instead of purchasing their own vehicles for transportation. After some investigation, Mr. Zhao felt that buying a transport truck to undertake civil engineering projects was a very good way to make money, but buying a truck required a lot of money. The cheapest dump truck could not cost 80,000 yuan, and he He only had more than 20,000 yuan in compensation for buying out his length of service, so he had no choice but to seek help from the bank.

With the help of bank staff, he first spotted a 15-ton dump truck at a designated car dealership company, and used the vehicle to be purchased as collateral to sign a 60,000 yuan mortgage loan with the bank. contract. Finally, after paying a down payment of more than 20,000 yuan, he drove the new car home and quickly took over the earthworks at the construction site. Now, Mr. Zhao's monthly income has reached more than 8,000 yuan, and he is preparing to take out a loan to buy another car.

Mortgage loans refer to loans issued in accordance with the mortgage method stipulated in the Security Law and using the property of the borrower or a third party as collateral.

When applying for a mortgage loan, the bank should keep the relevant property rights certificate of the mortgage, especially for house mortgages and car loans. You can use the house and drive the car, but strictly speaking, the property rights have been mortgaged to the bank. Just the right to use. The amount of the mortgage loan generally does not exceed 70% of the assessed value of the mortgage property, and the maximum loan limit is 300,000 yuan.

If you need to purchase a commercial house along the street to start a business, you can use the house you plan to purchase as a mortgage and apply for a commercial house mortgage loan from the bank. The loan amount generally does not exceed 60% of the appraised value of the commercial house you plan to purchase, and the loan period is the longest. The loan period shall not exceed 10 years; because you need to purchase cars, trucks, buses, engineering vehicles and operate taxis to start a business, you can apply for a car loan like Mr. Zhao. This loan generally does not exceed 80% of the car purchase price, and the longest loan period shall not exceed 5 years.

Deposit certificate pledge loan: Exploring credit resources Ms. Li wants to open a chain store of a certain brand of cosmetics. According to the requirements of the headquarters, she needs to pay various fees of 50,000 yuan. She had 10,000 yuan in cash and a time savings certificate of 50,000 yuan. She originally planned to withdraw it in advance, but the bank's financial planner calculated that she would get 2,244 yuan more in profit from the pledge loan than the early withdrawal. Therefore, she applied for a small mortgage loan at the bank, which not only raised the entrepreneurial funds in time, but also avoided the loss of interest due to early withdrawal.

The starting point for a loan pledged by a certificate of deposit is generally 5,000 yuan, and each loan does not exceed 80% of the pledged face amount. Under normal circumstances, you can obtain a loan on the same day at a bank outlet. Apart from this, you can easily get loans from banks using treasury bills, life insurance policies, etc.

The "Measures for Pledged Loans of Certificated Treasury Bonds" stipulates that all certificated treasury bonds issued after 1999 (inclusive) can apply for treasury bond pledged loans. The starting point for a treasury bond pledge loan is 5,000 yuan, and each loan shall not exceed 90% of the face value of the pledged treasury bond.

Of course, if you obtain the written consent of your relatives and friends and present the valid identity documents of yourself and your relatives and friends, you can also You can use deposit certificates, certificated treasury bonds and life insurance policies from relatives and friends to apply for pledge loans.