1. Lenders apply to bank outlets.
2. After filling in the application form, submit the relevant materials to the bank for review.
3. After approval, a loan contract was signed.
After signing, the bank will transfer the loan amount to the lender's account.
The lender can repay the loan on time.
The loan funds of consumer loans can only be used for the legitimate consumption of individuals or families, and the funds cannot be used for buying houses, but the loan funds allow users to buy cars and parking spaces.
What are the requirements for handling personal consumption loans of China Bank?
1. To apply for personal consumption loan from China Bank, you must meet the following basic conditions:
(1) A natural person who has reached the age of 18 and has full capacity for civil conduct;
(2) People's Republic of China (PRC) (PRC) citizens, including Hong Kong, Macao and Taiwan residents who have worked continuously in People's Republic of China (PRC) (PRC) for 1 year or more, hold valid identity documents that meet the regulatory requirements, and have a fixed residence in China. Hong Kong, Macao and Taiwan residents should own their own property at the loan application place;
(3) It has a continuous and stable source of income and has the ability and willingness to repay the loan principal and interest on schedule;
(4) The credit status is good, and there is no bad credit record in China banks and peers;
(5) To apply for personal mortgage consumer loans from China Bank, collateral recognized by China Bank shall also be provided as loan guarantee;
(6) Before handling the personal consumption loan of BOC, you need to open a deposit account with BOC;
(seven) other conditions stipulated by laws, regulations, regulatory agencies and agencies.
2. Those who apply for personal consumption loans pledged by China Bank without mortgage shall also belong to the following customer groups:
(1) Employees with relatively stable wages or labor income. Mainly for official employees of state organs and key enterprises and institutions; Professional and technical personnel, such as lawyers and certified public accountants. In principle, the borrower's work experience should be 6 months or more;
(2) Self-employed individuals with continuous and stable operating income sources (with operating years of 2 years or more);
(3) Personal high-end customers, including BOC wealth management customers, BOC wealth management customers and private banking customers of Bank of China.
Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
What are the requirements for consumer loans?
Consumer loans need to meet the following conditions:
The lender shall have full capacity for civil conduct; After the borrower's loan time and age repayment time are added up, they are not more than 55 years old; Prove to the bank that the permanent address is the location of the local borrowing bank; Have sufficient repayment ability; Have good personal credit; The purpose of loans should be clear, and consumer loans should not be diverted to investment.
Consumer loans are also called "consumer loans". Consumer loans are loans issued by commercial banks and financial institutions to consumers on the basis of consumer credit for purchasing durable consumer goods or paying other expenses. Loans to consumers for purchasing durable consumer goods or paying various fees. For a long time, commercial banks mainly provide loans to industrial and commercial enterprises or other institutions and groups, and generally do not provide subsidies for personal consumption expenditures. After World War II, commercial banks began to carry out consumer loan business on a large scale, mainly because:
1. The competition in the financial industry is becoming more and more fierce. In order to seek development, commercial banks need to explore new business areas.
2. After the war, the economic development in the western region was relatively stable, and individuals had relatively reliable monetary income.
3. With the emergence of more and more credit reporting agencies, banks can know the credit status of borrowers at a lower cost and ensure the safety of loans.
In order to avoid the influence of general loan inflation, residents in western countries are also willing to use consumer loans. The rapid development of consumer loans has played an important role in promoting the development of products and production. Consumer loans are divided into different types according to different standards. From the perspective of repayment period, it can be divided into one-time repayment and multiple repayment; Judging from the lending relationship between banks and consumers, it can be divided into direct loans and indirect loans; According to the purpose of the loan, it is divided into automobile loan, residential loan, residential improvement or repair loan, education and study loan, small living loan, holiday and tourism loan, etc.
20 12, 10 in may, the interest rate of personal consumption loans generally rose. Including car loans and house decoration loans, the interest rates of state-owned banks such as ICBC, Agricultural Bank of China, Bank of China and China Construction Bank generally rose by 10% to 15%, while most joint-stock banks rose by 20% to 30%. There is even news that the loan concessions for the first home draft may be cancelled. As for the personal business loan interest rate, the floating rate will be even greater, reaching 30%-40%, while the personal credit consumption loan will rise to 50% on the basis of the benchmark interest rate.
What is a consumer loan?
Consumer loans are also called "consumer loans". Loans to consumers for purchasing durable consumer goods or paying various fees. For a long time, commercial banks mainly provide loans to industrial and commercial enterprises or other institutions and groups, and generally do not provide subsidies for personal consumption expenditures.
After World War II, commercial banks began to carry out consumer loan business on a large scale, mainly because:
The competition in the financial industry is becoming more and more fierce. In order to seek development, commercial banks need to explore new business areas.
② After the war, the economic development in the western region was relatively stable, and individuals had relatively reliable monetary income.
(3) The emergence of more and more credit reporting agencies enables banks to know the credit status of borrowers at a lower cost and ensure the safety of loans.
In order to avoid the influence of general loan inflation, residents in western countries are also willing to use consumer loans. The rapid development of consumer loans has played an important role in promoting the development of products and production.
Consumer loans are divided into different types according to different standards. From the perspective of repayment period, it can be divided into one-time repayment and multiple repayment; Judging from the lending relationship between banks and consumers, it can be divided into direct loans and indirect loans; According to the purpose of the loan, it is divided into automobile loan, residential loan, residential improvement or repair loan, education and study loan, small living loan, holiday and tourism loan, etc.
Extended data:
Consumer loan application process:
1. The borrower shall fill in the application form at the loan handling office with valid ID, pledge, mortgage certificate and guarantor's guarantee. After investigating the borrower's guarantee and credit, the bank will reply to the borrower within 15 days.
2. After the borrower's application is approved, it shall sign a loan contract and corresponding guarantee contract with China Construction Bank.
3. Within the validity period of the credit line and the available credit line, the borrower can withdraw money at any time, fill in the loan when withdrawing money, and withdraw a single loan. The Construction Bank will transfer the loan funds into the account agreed in the contract.
4. The borrower can recycle the loan within the validity period of the credit line, and the available credit line is the difference between the credit line approved by the bank and the principal balance of each loan under the credit line. After the borrower owes the loan, the available amount will be deducted accordingly, and after the borrower repays the loan principal, the available amount will be increased accordingly.
5. The borrower should pay off all the loan principal and interest under the quota before the expiration of the validity period of the quota, and go through the formalities of mortgage and pledge registration cancellation at the Construction Bank within 20 days after paying off the loan principal and interest, and the loan contract signed between the borrower and the Construction Bank will automatically terminate.