How about a direct loan from Bohai Bank: Bohai Bank
It is a regular bank, so the personal housing loan of Bohai Bank is more reliable.
First, Bohai Bank loan application conditions.
Bohai Bank is the first national joint-stock commercial bank approved by the State Council since 1996.
It is the first Chinese-funded commercial bank to introduce overseas strategic investors in the establishment stage, and it is a wealth management product of Bohai Bank.
The products are rich, and all applicants who meet the requirements of 18 years old and under 65 years old can apply for Bohai Bank credit card.
Second, Bohai Bank's mortgage is very reliable.
The loan from Bohai Bank is well approved. Generally, after the contract with complete information is signed, the approval period is about 10 days, then the mortgage registration is about 1 week, and the final loan is about one week.
Third, Bohai Bank's mortgage application requirements.
1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;
3. A commercial housing sales contract has been signed with the developer.
",according to the personal credit situation, and has paid the down payment ratio stipulated by the bank, the minimum is more than 30%;
4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.
5. Agree to go through the mortgage registration of pre-purchased commercial housing first, and promise to use the purchased house as loan mortgage, and then go through the mortgage registration formalities after the purchased house is completed and the property right certificate is obtained.
Can I still apply for a package loan with Bohai Bank credit card?
Of course. "Yin Bo e-loan online bag loan" is a personal consumption credit loan issued to outstanding mortgage loans or mortgage customers of Bohai Bank.
Product advantage
Fully online operation
Convenient, fast and efficient
Receive funds immediately
Product elements
Applicable customers: customers of Bohai Bank who have not settled mortgage loans or mortgage loans (referred to as "basic loans"); The remaining loan term of the basic loan is more than 1 year, and the normal continuous repayment is more than 3 months; The repayment record of the basic loan is good.
Loan amount: up to 200,000.
Loan interest rate: The annualized loan interest rate starts from 5.96%, calculated in simple interest method, subject to the final contract and receipt.
Loan term: minimum 1 month and maximum 12 months.
Repayment method: equal principal and interest; Average capital; Pay interest on a monthly basis and repay the principal in one lump sum.
Purpose of the loan: used for legitimate personal consumption expenditure.
Early repayment: online self-service early repayment, free of penalty interest.
▌ Access conditions:
1, aged between 22 and legal retirement age;
2. The borrower has a good credit record and meets the loan conditions of Bohai Bank;
3. Have the corresponding repayment ability and financial strength.
▌ Application method:
1. Download the mobile banking APP of Bohai Bank or open personal online banking to obtain a digital certificate, and you can apply for credit loans by yourself without any handling fee.
2. You can also click "Apply Now" at the bottom of the screen or download the mobile banking APP to experience "pre-credit".
What are the requirements for applying for construction machinery mortgage loan in Bohai Bank?
/kloc-a natural person aged 0/8-65 with full capacity for civil conduct.
Having legal and valid identification;
Have a stable professional and economic income and the ability to repay the principal and interest of the loan at maturity;
Personal credit status is good and there is no bad credit record;
Having a real trading background that meets the requirements of the bank;
Other conditions required by the lender.