Question 2: What are the requirements for personal credit loan? Personal credit loan refers to the RMB credit loan issued by the bank to solve the borrower's temporary consumption demand with a term of less than 65,438+0 years and an amount of less than 20,000 yuan without guarantee.
First, the applicant's conditions
China citizens with permanent residence in China, permanent residence in local towns (or valid certificates), full capacity for civil conduct and meeting the following conditions may apply for personal credit loans.
1. Have a proper occupation and a stable income source (the monthly salary income must be above 1000 yuan), and have the ability to repay the loan principal and interest on schedule;
2. The borrower's unit must be an administrative, enterprise or institution recognized by the bank and having a good cooperative relationship with the bank, and the bank needs to pay wages on its behalf;
3. Abide by the law, and have no illegal acts and bad records;
4. Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
5. Other conditions stipulated by the bank.
Second, the loan amount
The starting point of personal credit loan is 2000 yuan, and the loan amount shall not exceed 6 times of the borrower's monthly salary, and the maximum shall not exceed 20,000 yuan.
Third, the loan term.
The term of personal credit loan is below 1 year (inclusive), and it is generally not extended. If the loan cannot be repaid on schedule due to force majeure, it can be extended once with the consent of the lender, and the cumulative loan period shall not exceed 1 year.
Fourth, the loan interest rate.
The loan interest rate is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China. In case of interest rate adjustment during the loan period, it shall be calculated according to the contract interest rate, and interest shall not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.
Verb (abbreviation for verb) loan process
1. The borrower submits the following information to the bank:
(1) loan application approval form;
(2) my valid identity certificate and a copy;
(3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months);
4) Occupation and income certificate (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );
(5) Effective contact information and telephone number;
(6) Personal settlement account voucher opened in China Industrial and Commercial Bank;
(seven) other information required by the bank.
2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract.
3. The bank issues loans to borrowers through transfer.
For details, please consult your local industrial and commercial bank or call 95588.
Question 3: What are the requirements of general bank loans for personal credit records? When evaluating a person's credit status, banks usually refer to the person's past credit behavior records, mainly including personal credit transaction records such as loan repayment and credit card use.
Personal credit records in the central bank's credit information system are divided into several categories:
1, whether there is a credit record, and whether there is a credit record is good or bad;
2. For banks, a good credit record is better than no credit record, and borrowers with bad credit records face the risk of rejection.
The standards of good credit are summarized as follows for your reference:
1. At present, the loan is not overdue or repaid by the guarantor;
2. There are no overdue credit cards at present;
3. There is no record that the quasi-credit card has been overdrawn for more than 180 days (excluding card fees and annual fees);
4. There is no record that the minimum repayment amount of a credit card has been outstanding for more than 6 periods in the past 12 months (excluding card fees and annual fees);
5. There is no record that a single loan is overdue for more than 6 consecutive periods within 24 months (including repayment by the guarantor);
6. There is no record of loan extension (extension) or debt repayment with assets in the past two years;
7. There is no record of a single loans overdue with more than 24 issues;
8. There is no record of being sued for bad credit.
If you don't know your credit status, you can take your ID card to the Credit Information Center of the People's Bank of China for free inquiry.
Inquiring about your personal credit records, it is impossible to provide customers with complete personal credit information by going to ordinary commercial banks. You can only go to the branches of the People's Bank of China to inquire about related business.
At present, citizens do not charge any service fees for inquiring about personal credit reports of bank loans. They only need to go to the branches of the People's Bank of China for personal credit inquiry on weekdays.
Compared with other businesses, personal credit inquiry is quite convenient and fast. Citizens only need to prepare their personal identity certificates and copies in advance, and after submitting the original and copies of their ID cards, they can get a personal credit report application form to fill in. After that, the bank staff will print out a credit report including personal information, credit transaction information and inquiry records for the applicant.
At present, banks will check personal credit records when accepting personal loan applications. If they find that their personal credit is not good, they will raise the interest rate of personal loans or refuse to issue personal loans. Citizens applying for a credit card may be rejected or the overdraft limit of the credit card may be reduced if their personal credit is poor.
Question 4: How much can I borrow from ICBC's personal credit loan? There are many kinds of loans, and the conditions of lenders are different, so the amount of loans is also very different.
The types of personal loans include: consumer loans, wage loans, business loans, running loans, mortgage loans, pledge loans, study abroad loans, pure credit loans and so on.
The qualifications of the lender include: age, occupation, nature of work unit, working years, income level, family status, education level, assets status, etc.
The loan amount can only be known after the comprehensive evaluation of the loan purpose, so you can know your loan amount by going to the manager of the credit department of the bank and talking about your own ideas, uses, qualifications, etc.
Question 5: Is personal credit loan reliable? I saw many people cheated on Baidu. Usually, after signing the contract, you have to pay hundreds or thousands, and then you have to call him 1 10,000 or more. At this time, you can't get the money if you don't call the front, but you don't know if you have been cheated, so if you want to apply for a loan online, you'd better find more loans with no upfront fees or only a few hundred.
However, it is better and more secure to find a local physical store to apply for a loan.
Question 6: The difference between bank loans and personal credit loans. Personal credit loans are bank loans.
Personal credit loan: the loan applicant can get a loan of up to 300,000 yuan from the bank without any mortgage or guarantee, just by virtue of his personal credit status.
In reality, personal credit revolving loans are mainly for high-end customers with excellent credit records, and the loan threshold is relatively high.
Personal credit loan
China Bank's micro-credit consumer loan is a credit consumer loan business that is issued to borrowers with good credit standing and used to pay for normal consumer demand and services.
Loan conditions: a natural person with full capacity for civil conduct, aged between 18 and 60 years old; Have permanent residence in cities and towns or valid residence status; Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on time; Open a current deposit account or a Great Wall card account with China Bank; Bank of China evaluates and recognizes personal credit. China Bank Great Wall cardholders or ordinary cardholders with more than two years do not need to evaluate their personal credit separately; Other conditions stipulated by the Bank of China.
Loan purposes: Micro-credit consumer loans are mainly used to pay borrowers' normal consumption needs and services.
Loan limit: the maximum limit of micro-credit consumer loan is 654.38+10,000 yuan.
Term of loan: The longest term of micro-credit consumer loan is one year.
Loan interest rate: the interest rate of the same grade stipulated by the People's Bank of China shall apply to the micro-credit consumer loans.
Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank and China CITIC Bank all have this business, but the implementation is very harsh, and they are all high-quality customers facing their own banks.
Question 7: What are the requirements for applying for personal credit loan from Ping An Bank? Ping An Bank's new loan is also called personal credit loan. The basic application conditions are: the age is between 25 and 55 (in some cases, it needs to be over 29); Working continuously in the current unit for 6 months; The average monthly salary is not less than 3,000 yuan, and the average monthly salary is not less than 4,000 yuan for those working in Shenzhen, Guangzhou, Shanghai and Hangzhou. I believe that most people can meet such application conditions. There are 10 cities: Shenzhen, Guangzhou, Shanghai, Hangzhou, Fuzhou, Xiamen, Quanzhou, Dongguan, Huizhou and Zhongshan. Finally, you must have a credit record. bank.pingan/youhui/xinyidai.shtml
Question 8: What are the requirements for personal credit loans? At present, there are many institutions that can provide personal credit loans, such as major banks, China Merchants, ICBC and Ping An. And there are also some companies that specialize in small loans, such as Zhongan Xinye and CreditEase. Different institutions have different loan requirements, processes and approval quotas. Zhongan Xinye is the earliest personal credit lending institution in China, with many business outlets and good reputation. Take the following as ICBC, and the application conditions are as follows: 1, China citizens with permanent residence in China and permanent residence in local towns have full capacity for civil conduct; 2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule; 3. Abide by laws and regulations, and have no illegal acts and bad credit records; 4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank; 5. Open a personal settlement account in China Industrial and Commercial Bank; 6. Other conditions stipulated by the bank. In addition to the above basic conditions, borrowers who meet one of the following specific access conditions are special access customers for credit loans: (1) middle and senior managers and senior professional and technical personnel who are high-quality corporate customers of banks; (2) Personal assets of more than 2 million yuan (inclusive); (3) Peony Platinum Card customers; (4) Having held our personal wealth management account 1 year or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive); (5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).
Question 9: What's the difference between a credit loan and a secured loan? Credit loan is actually a loan secured by the lender's good credit. The lender's stable income, stable assets, no serious bad credit record and no criminal record are the concrete manifestations of good credit. If these aspects are good, you can apply for a credit loan from the bank. General civil servants, teachers and doctors are more likely to get credit loans. When you say secured loan, you should mean secured loan. There are many forms of guarantee, such as mortgage, pledge and guarantee. Such as house mortgage loan and valuables pledge loan. It can be seen that the main difference between the two is that credit loans do not need to provide any guarantee, while secured loans need to establish security interests on ownership, which should be based on certain property rights.
Question 10: What's the difference between personal comprehensive consumption loans and credit loans? Personal consumption loan: personal consumption, generally personal pure credit and unsecured loan. Obtained from banks (or new online private lending), it is usually granted to wage earners with fixed and stable income for personal consumption.
Personal pledge loan: refers to loans with collateral, such as cars and houses. Because of the pledge, the risk is less than pure credit loan, so the interest will be relatively low, and the loan conditions and use restrictions will be more flexible. Both private enterprises and Yinding have related businesses.
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