1. How does Guangfa Bank get a loan of 2, yuan?
As long as you meet the following conditions, you can't only borrow 2, yuan. The basic provisions are as follows: 1. The loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct, and the sum of the borrower's age and the loan period is not more than 6 years old; . 2. Loan amount: The maximum credit amount is basically unlimited. 3. Loan term: The loan term is generally 1 to 3 years (inclusive); 4. Loan interest rate: it shall be implemented in accordance with the bank's loan interest rate regulations; 5. Guarantee method: The guarantee adopts the methods of mortgage, pledge and guarantee, but the guarantee simply provided by a third party guarantee is not accepted. 6. Repayment method: If the loan term is less than one year, you can adopt any repayment method of monthly interest, equal principal and interest repayment method, average capital repayment method, one-time repayment method of principal and interest, etc. If the loan term is more than one year, the method of equal principal and interest and average capital repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract. 7. Application materials to be provided: (1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse; (2) Proof that the borrower's spouse promised to repay the loan; (3) The business license for production and operation, and the original and photocopy of the business license of the relevant administrative department shall be provided if it is engaged in licensed operation; The partnership or corporate enterprise shall also issue the partnership agreement or articles of association, the capital verification report and the original and photocopy of the investment agreement; (4) Proof of loan purpose (such as purchase contract, etc.); (5) the tax payment certificate of production and business activities; (6) The borrower's pledge right certificate, the list of mortgaged (pledged) goods and the ownership certificate required to obtain the pledge and mortgage loan amount, and the written documents of the owner and the property * * * that some people agree to pledge and mortgage; (7) Collateral appraisal report issued by the appraisal department recognized by the bank; (8) Other information required by the bank. Processing flow: 1. Customer application. Customers apply to the bank, fill in the application form in writing, and submit relevant materials at the same time; 2. sign a contract. After the application materials submitted by the borrower are investigated and approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate; 3. issue loans. For the loan approved by the bank, after all formalities are completed, the bank will transfer the loan to the personal settlement account designated by the borrower.
2. Can Guangfa Credit Card be used for loans? What conditions do you need?
guangfa bank can apply for loans
iii. what are the conditions for credit card loans of guangfa bank
loan application conditions of guangfa bank
1. applicants must be at least 25-55 years old.
2. The applicant must have a payment record of social security or provident fund or individual tax for more than three months.
3. The borrower has a fixed job and a stable economic income.
4. The applicant agrees to other regulations of Guangfa Bank.
Extended information:
Materials and certificates required for application
1. Domestic residents only need to provide and fill in a complete and signed application form, identity certificate, residence certificate and income certificate.
2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide a residence permit for foreigners (the reason for residence must be employment) or an employment permit for foreigners/Hong Kong, Macao and Taiwan people.
3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the date of commencement of business shall be provided.
4. If you want to apply for a large credit card, you need to provide proof of good economic strength, such as a copy of the real estate license, a copy of the automobile driving license, a bank lender (with good credit, overdue for no more than 6 days) or a copy of the deposit certificate.
IV. What are the conditions for the credit card loan of Guangfa Bank
Conditions for the loan application of Guangfa Bank
1. Applicants must be 25-55 years old.
2. The applicant must have a payment record of social security or provident fund or individual tax for more than three months.
3. The borrower has a fixed job and a stable economic income.
4. The applicant agrees to other regulations of Guangfa Bank.
Extended information:
Materials and certificates required for application
1. Domestic residents only need to provide and fill in a complete and signed application form, identity certificate, residence certificate and income certificate.
2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide a residence permit for foreigners (the reason for residence must be employment) or an employment permit for foreigners/Hong Kong, Macao and Taiwan people.
3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the date of commencement of business shall be provided.
4. If you want to apply for a large credit card, you need to provide proof of good economic strength, such as a copy of the real estate license, a copy of the automobile driving license, a bank lender (with good credit, overdue for no more than 6 days) or a copy of the deposit certificate.