There are many types of credit loans of Bank of China, with different types of loans and different handling methods. If there is loan demand, it is recommended to contact local outlets for detailed consultation.
The above contents are for your reference. Please refer to the actual business regulations.
What are the application conditions for e-loan of Shangcheng consumer finance? These points are important!
As a member of consumer finance company, consumer finance in Shang Cheng has been established for a short time, so it is not perfect in some aspects. There is only one credit product called Ren E loan, which is a pure credit mobile phone loan. This product is generally very popular. What are the application conditions for e-loan of Shangcheng Consumer Finance? Let's get to know each other.
First, the electronic loan application conditions
1, age meets the requirements, non-college students, suitable for office workers who have worked for several years. At this time, their work income is relatively stable and their repayment ability can be guaranteed.
2. There is no mortgage. Ren e loan is a credit loan without mortgage guarantee, which can be obtained only by proof of identity, proof of income and proof of address. This is a very popular way to apply for a loan, suitable for most borrowers who are in urgent need of money.
3. Good credit information. Because Ren E loan is the product of consumer finance, which has a banking background and is supervised by CBRC, the requirements for credit reporting are relatively strict. Even those who are in the state of three tired six, overdue and bad debts will basically be rejected, and borrowers with good credit can get higher quotas.
4. Proof of financial resources. In addition to basic identification, work certificate, residence certificate, etc. In order to further improve the success rate of loan application, other supporting certificates are needed, such as garage, social security, provident fund, financial investment and wealth management products, large insurance policies and bonds. , can prove that there is enough repayment ability.
Second, did Ren E borrow a paragraph?
Although the threshold for applying for e-loan is low, the next loan is not much, mainly because the internal function of consumer finance in Shangcheng is not perfect, so some of them are not used. It is suggested that official website scan the QR code to download the APP, which is being upgraded. I believe it should be an internal adjustment. I hope that Shang Cheng's consumer finance can establish a sound risk control system, and we need to continue to pay attention to when it can be applied.
What is a personal credit loan
Personal credit loans refer to RMB credit loans issued by banks or other financial institutions to borrowers with good reputation without providing any guarantee. If you apply for a personal loan in a bank, the bank will have requirements on the use of loan funds. The applicant cannot use the loan funds for funds, investment channels, stocks, futures and other investment fields and production and operation. If it is explicitly prohibited by the CBRC, the applicant shall provide an explanation of the purpose or use of the funds.
To apply for a personal credit loan in a bank, you need to write an application form and bring various materials, such as personal professional certificate, ID card, income certificate of the applicant and family members, etc. You can consult the bank staff for details. The way for banks to issue loans is transfer, and loans are issued to individual settlement accounts designated by applicants.
Why does the credit loan show that I have signed the contract but I can't get the money?
If there is a problem with the platform, ask customer service.
Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
(b) In practice, some enterprises fail to conduct due diligence. In practice, loan examiners often only pay attention to the identification of documents, but lack due diligence, which makes it difficult to identify fraud in loans and leads to credit risk.
(3) misjudgment: the bank did not listen to the opinions of experts on the relevant content, or made professional judgments by professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects.