In terms of interest, bank loans are better. As we all know, the interest rate of bank loans is much lower than other loans, which is the biggest advantage. Finance company loan interest is higher than bank loans, such as loans of 654.38+10,000 yuan. If the term is three years, the interest will be about 5000 yuan more than the bank loan.
Judging from the loan threshold, the bank loan threshold is higher. Why do so many people apply for online loans now? There is a simple reason. The threshold of online goods is low. As long as your credit report is spotless, you will usually take out a loan. However, the threshold for applying for loans in banks is higher. If your financial conditions are not good, it will be more difficult to pass the loan application.
Judging from the speed of lending, financial companies lend faster. It takes a long time for bank loans to be approved and issued, and finance companies are faster in this regard. If you borrow money from a bank, even if it is approved, it will take 1- 15 days to lend money. However, the lending time of finance company loans is very fast, generally within 24 hours.
1. To apply for a personal bank loan, the following conditions shall be met:
First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.
Third, the credit record is good and there is no bad credit record.
Fourth, it can provide legal and effective guarantees recognized by banks.
Fifth, other conditions stipulated by the bank.
2. Information that an individual needs to provide when applying for a bank loan:
Loan application; The original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife, and the co-owner of the property agrees to the loan; Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). ); Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months); Loan contract.
3, personal guarantee, need to provide the following information:
Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife; Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). ); Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months); Personal bank credit information inquiry system; Notarization.
4, enterprise guarantee, need to provide the following information:
Original and photocopy of business license, original and photocopy of tax registration certificate (national tax and local tax), organization code certificate, articles of association, ID card of legal representative of the enterprise, loan card (annual inspection) and credit certificate; Shareholders' consent; Financial statements: financial statements at the end of last year and the last three months (with audit reports). Including balance sheet, income statement, cash flow statement and bank statement (with bank seal); Special industries need to provide EIA data (EIA report, pollutant discharge permit).