Whether for individuals or enterprises, financing and borrowing are inevitable things in life. In the past, when people needed a loan, they would think of the bank for the first time. In recent years, online lending has developed rapidly, and various loan products have swarmed. For example, WeChat, a common social tool, can apply for a loan. The following is a detailed introduction to the loan in WeChat, hoping to help everyone.
Wechat large loan
First of all, let me introduce a large loan in WeChat-micro-loan. Micro-credit is a loan product launched by Weizhong Bank, a subsidiary of Tencent, which provides loan services for small and medium-sized enterprises. At present, the maximum loan application amount in Wechat business is 3 million yuan, and the actual loan application amount is related to the credit status of enterprises.
During the examination and approval process, the Microfinance Association will comprehensively evaluate the assets, taxes and income of the applicant enterprise, and the examination will end in 15 minutes at the earliest, and the loan will arrive in 1 minute at the earliest. In terms of repayment, the longest repayment period of micro-loans is 36 installments, and the minimum annual interest rate is 3.6%, depending on the credit situation of different enterprises.
At present, enterprises that want to apply for microfinance need to meet the following conditions:
Basic requirements:
1. The enterprise has been operating for two years and has tax data for more than two years.
2. the tax level is a/b/c/m.
3. The value-added tax amount in any year of the last two years is not 0.
4. There is no overdue tax payment in the last six months.
5. The applicant can only be the legal representative of the enterprise.
In addition, small loans will query the credit information of enterprises, and it is impossible to apply for small loans if they are overdue.
Besides WeChat, there are many other platforms that can provide reliable loans. For example, Alipay's loans, online merchant loans, Xiaoman Finance's (formerly Baidu Finance) rich flowers, Jingdong Finance's JD.COM gold bars and other products, when understanding the products, we should focus on understanding the brand background, loan amount, loan interest, repayment methods and other information, and then choose the corresponding products according to our own needs. (Click here to test the consumption amount for free)
Wechat personal loan-micro-loan
There is also a loan on WeChat, which is a small loan that many friends are familiar with. Micro-credit is an Internet micro-credit product jointly launched by Weizhong Bank and Tencent, with a quota ranging from 500 yuan to 200,000 yuan. Although microfinance is very popular, not everyone has the opportunity to open microfinance. Micro-loan invites users to see the entrance of micro-loan in WeChat wallet, and click to follow the prompts to see how much money they can borrow.
WeChat Pay
For WeChat users, WeChat payment is a new tool. Dividend payment is a product similar to Alipay flower buds. When users pay by WeChat, they can choose to pay in installments, including eating, shopping, watching movies and other scenes. But split payment does not support red envelopes and transfers. Is the function similar to that of a flower garden?
After installment payment, the used amount will bear interest on a daily basis. Users can repay any amount at any time, and there is no handling fee for prepayment. Sub-payment has been launched soon, and it is still in the testing stage. Some users who haven't found WeChat sub-payment don't have to worry.
What are the conditions for a 3 million loan?
What are the conditions for a bank loan of 3 million yuan?
1. Considerable bank flow
Bank flow is the basis for lending institutions to judge our financial ability and invisible liabilities. From the flow of banks, lending institutions can see how much we earn and spend every month, and finally decide whether to lend. To apply for a large loan, the running water must reach a high level. For example, the loan is 6,543,800 yuan, and the average monthly bank flow must reach at least 6,543,800 yuan.
2. Good credit record
The so-called good credit reporting, on the one hand, is not credit white. On the other hand, there is a history of credit card borrowing or use, and it has not been overdue in the last two years.
3. Low debt ratio
Lending institutions attach great importance to debt in the process of reviewing loans. If the debt is high, the repayment ability will be weak. Under normal circumstances, personal liabilities cannot exceed 50%. If you want a large loan, the debt ratio should be controlled within 30%.
4. Strong proof of assets
Assets are the visible hard power of borrowers, which is an important embodiment of borrowers' income ability and repayment ability. If you want to get a large loan, you must have certain assets, such as real estate, cars, insurance policies, deposits, financial certificates and so on.
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 promises to repay jointly;
3. Production and business license. If it is engaged in licensed business, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;
4. Proof of loan use (such as house purchase contract, etc.). );
5. Tax payment certificate for production and business activities;
6. The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of the owner and the property co-owner agreeing to mortgage (pledged);
7. Collateral appraisal report issued by the appraisal department recognized by the bank;
8. Other information required by the bank.
Weizhong Bank launched a large loan! The "micro-loan upgraded version" can borrow up to 3 million yuan.
In the field of online lending, micro-lending is very well known. Micro-loan is a credit product launched by Weizhong Bank, a subsidiary of Tencent, which is deeply trusted and loved by borrowers. However, many people don't know that there is an "upgraded version" of microfinance, which is microfinance. What kind of product is this? Let's get to know each other.
What is microfinance?
Micro-credit is an online working capital loan service provided by Weizhong Bank for small and medium-sized enterprises. This product is a financial innovation product combining big data analysis with Internet technology. From application to withdrawal, customers can complete all online, without collateral, and the amount is visible. Funds arrive in minutes, interest is calculated on a daily basis, and they are borrowed and returned. Weizhong Bank will provide efficient and convenient financing services for small and medium-sized enterprises in technology and finance.
Applicable object: enterprise users
Applicable amount: up to 3 million.
Service life: no more than one year.
What loans do individual consumers have?
Borrowing money requires Alipay users to have a sesame credit score of more than 600 points. According to the usage of each account, the amount of borrowing money is different, and 500 yuan, 5,000 yuan and 50,000 yuan are all possible.
Qianhua relies on Xiaoman financial technology to provide users with professional consumer credit services. The money spent is between 5 million and 200 thousand, which is comprehensively evaluated according to the user's credit situation. (Click here to test the consumption amount for free)
What are the application conditions for a loan in Wechat business?
1. Good credit information;
2. The enterprise must be a general taxpayer enterprise established for more than two years;
3. Small-scale taxpayer enterprises that have paid taxes for two years and have no bad tax records;
4. Required information: tax authorization of tax account, identity authentication, personal basic information, mobile phone number and bank card information.
Which cities are micro-credit open to?
According to the latest news, users in the following cities can open micro-credit loans:
Chongqing, Tianjin, Guangdong and Jiangsu provinces, as well as some cities in Shaanxi, Shandong, Yunnan, Hunan, Zhejiang, Henan, Shanxi, Hebei and Anhui, can be used first by borrowing friends from these provinces and cities.
How to apply for a loan in Wechat business?
At present, micro-loans are open to ordinary taxpayers of enterprises. You can apply by logging in with tax identification code and password and passing the identity verification of legal representative.
The review time of enterprise credit application is about half an hour, and only a few cases will take a long time. After the approval, the enterprise will receive the loan soon. Under smooth circumstances, the whole lending process can be completed in about 30 minutes.
In order to enable the majority of small and micro enterprises to borrow money from micro-industry loans as soon as possible, here are some precautions for everyone.
1. Enterprises should try their best to apply for a loan from Wechat business at 9: 00 a.m.-7: 00 p.m. on weekdays, and there is a good chance to get a loan in about 30 minutes;
2. When submitting the loan materials, we must ensure that the application materials are perfect and effective;
3. When filling in the enterprise settlement account, you must choose a bank account supported by the small and micro enterprise loan system.
What conditions can I borrow 3 million yuan?
You can take a credit loan or a mortgage loan. According to the specific regulations of the target bank.
I. Credit loans
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.
Application conditions:
First, if the credit rating of enterprise customers is above AA- (inclusive), credit loans can be issued after approval by provincial branches of state-owned commercial banks;
Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable;
Third, the enterprise promises not to mortgage (pledge) its effective operating assets or provide external guarantees, or obtain the consent of the lending bank before handling the mortgage (pledge) and providing external guarantees;
Fourth, the operation and management are standardized, and there are no bad credit records such as evading debts and defaulting on interest.
Scope of application:
Enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and meet the conditions stipulated by the General Rules for Loans and banks.
Second, mortgage loan.
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.
As long as it meets the requirements of the bank, you can apply for a mortgage loan of 3 million yuan: use real estate as collateral, apply for a loan with a business enterprise (business license) as the lender, and apply to the bank with the lender's identity certificate, household registration book, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank's capital flow and house evaluation report, and go to the housing management department (or land management department) after approval.