The applicant is at least 18 years old and has full capacity for civil conduct; 2. The applicant has a stable address, work place or business place; 3. The applicant has a stable source of income and the ability to repay the loan;
4. The applicant has no criminal suspicion and no bad credit record; 5. Other conditions proposed by the microfinance company.
legal ground
Article 5 of the Civil Code of People's Republic of China (PRC) * * * Civil subjects engaged in civil activities shall follow the principle of voluntariness and establish, change and terminate civil legal relations according to their own wishes.
What conditions do you need to apply for a small loan?
To handle small loans, you need to meet the following basic conditions:
1. Have a fixed residence in China, hold a valid residence permit or account, and have normal capacity for civil conduct.
In order to ensure that the loan can be repaid, you must have a stable income and a proper occupation.
3. The unit to which the lender belongs must be recognized by the lending institution, have cooperative relations, and need the lending institution to pay wages on its behalf.
4. Individuals have no criminal record, and their credit records should be kept good.
The lender should open a credit card or savings account in the loan bank.
6. Other requirements put forward by the lending institution.
If there is a capital turnover demand, I recommend that you spend less than full, that is, the original Baidu Finance completed the split on 20 18 and realized independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
The amount of money spent on loans ranges from 500 yuan to 200,000 yuan, with an annualized interest rate of 7.2%, 6,543.8+0,000 yuan, and the interest from 2 yuan is 654.38+0 days. Long loan period, daily repayment, daily interest, no mortgage, pure credit, full online application for ID card and bank card, the fastest approval in 30 seconds, 654.38+0 minutes to the account.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every loan must verify the password and other verification items, and it can only be lent to the bank card in the lender's own name, so you can use it with confidence.
Legal basis: Article 2 of the Interim Measures for the Administration of Financing Guarantee Companies. The term "financing guarantee" as mentioned in these Measures refers to the act that the guarantor agrees with creditors such as banking financial institutions that when the guarantor fails to perform the financing debts owed to the creditors, the guarantor shall bear the guarantee responsibilities stipulated in the contract according to law. The term "financing guarantee company" as mentioned in these Measures refers to limited liability companies and joint stock limited companies established according to law and engaged in financing guarantee business. The term "regulatory authorities" as mentioned in these Measures refers to the departments designated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government to be responsible for the supervision and administration of financing guarantee companies in their respective jurisdictions.
What are the conditions for banks to make small loans?
1. The borrower shall apply to the bank outlets offering small loans. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license;
2. After receiving the lender's application, the bank will review the lender;
3. Sign a loan contract with the bank through the examination and approval of the bank;
4. The bank lent money, and the lender successfully got the loan.
The above four steps are the general process of bank microfinance. Different banks may have slightly different provisions on microfinance, and the materials to be submitted are also different. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.
Extended data:
Characteristics of microfinance:
1, the procedure is simple, the lending process is fast and the procedure is simple. Small loan companies have simple loan procedures, and loans are managed according to the processes of customer application, investigation, mortgage verification, guarantee, loan Committee approval, loan contract signing, loan issuance and loan principal and interest recovery.
Generally, it is completed within 7 days from the date of loan acceptance, which is more convenient and faster than bank loans, and the interest is much lower than private lending.
2. The repayment method is flexible. A variety of flexible repayment and interest payment methods, such as equal monthly repayment and interest payment, quarterly interest settlement due, one-time repayment and interest payment or two-time repayment and interest payment, etc.
3. The loan scope is wide. Small loan companies mainly serve small and medium-sized enterprises, individual businesses and farmers.
4. Flexible marketing methods. Small loan companies carry out risk-controlled marketing without rating and credit, which breaks the long-term operation mode of formal financial institutions such as commercial banks and has the characteristics of simple, efficient and fast way.
It is beneficial for small and medium-sized enterprises to obtain credit support in time, alleviate the short-term financing difficulties of small and medium-sized enterprises and individual industrial and commercial households, and make up for the shortage between bank loans and private lending to some extent.
5. Microfinance companies have high loan quality. The loan quality of microfinance companies is high, because almost all the funds lent by microfinance companies are shareholders' own funds, so the audit of loan projects is more cautious; Because microfinance companies are privately operated and mainly lend money locally, they can fully understand borrowers and their uses, which is conducive to risk control.
6. Small loans have little social risk. Microfinance companies do not illegally raise funds, usury or accept loans from social idlers. Its fund-raising, lending, and loan collection all have their own execution methods, and only loans are not saved, and public deposits are not involved, so the social risk is small.