You can't. Credit loan is a kind of loan based on the lender's personal credit and does not need mortgage guarantee.
How much is the interest of Nanchang credit loan?
The short-term interest rate is 4.35% and the long-term interest rate is 4.75%.
According to the data released by Nanchang Credit Loan, the short-term interest is 4.35% for less than 6 months, 4.35% for 6 months to 1 year, 4.75% for 1 5 years and 4.90% for more than 5 years.
Nanchang Bank's personal credit loan product is a personal credit loan launched by Nanchang Bank. The borrower applies to the bank with personal reputation, and the bank evaluates the applicant's reputation to determine whether the loan is available, the loan period and the amount.
What are the requirements for applying for personal credit loan from Nanchang Bank?
First of all, the applicant must have a fixed residence in the place where the branch of Nanchang Bank is located, a fixed residence (or a valid residence certificate) in the local town, be a China citizen aged 65,438+08 to 60, have full capacity for civil conduct, be in good health, have a legal occupation and a stable economic income, and have the ability to repay the principal and interest of the loan on schedule; At the same time, the applicant's occupation is limited to in-service national civil servants, regular employees of institutions, regular employees with fixed income and repayment ability in industries such as finance, telecommunications, electric power, tobacco, railways and civil aviation, as well as lawyers, doctors, teachers and active military officers.
Then, the bank's credit status in Nanchang is good, and there is no record of loans overdue interest arrears for more than one month or more in relevant financial institutions, and there is no record of credit card arrears for more than 90 days. After being evaluated by the lender according to the personal credit evaluation form, the score is over 90 points.
Next, you must have my income and employee identity certificate issued by the personnel department of the borrower's unit, open a Jinruika or current savings account with our bank, and finally meet other conditions stipulated by Nanchang Bank before you can apply.
Which bank in Nanchang pays interest first and then principal?
Online loan of Agricultural Bank of China and E loan of Industrial and Commercial Bank of China.
Agricultural Bank of China Netjet is facing its white list customers, and customers who are not on the white list should apply separately to join the white list. The main customers are customers who have a relatively high monthly mortgage or provident fund for the Agricultural Bank of China. The interest before the principal is 5 years, once a year, and the annual interest is as low as 4. 5%, while the usual annual interest rate is 5% ~ 6%. ICBC e-Loan can provide loans as low as 600 yuan and as high as RMB800,000, with a service life of 5 years and a monthly interest rate of 0. 36-0。 55%, equal principal and interest/average capital. Provident fund contribution 1 year or more, and there is no clear base requirement.
3w Clause of Nanchang Empty Loan
The terms of the idle loan are as follows:
1. Personal credit must be good, and big data must not have bad records (most of the empty loans are private lending institutions, so the audit is mainly big data, which has little to do with credit reporting).
2 need to have a stable and legitimate income, with the ability to repay the principal and interest of the loan on schedule.
3. A natural person with full capacity for civil conduct shall be at least 18 years old.
It should be noted that although the application threshold for idle loans is not very high, many of them charge high interest, and even some institutions that provide idle loans are not very formal, so they are actually issued. Therefore, customers are advised to check whether the lending institution/platform has been approved by the CBRC and whether it has a financial license before handling it; Or go directly to the bank to apply for a credit loan.
How many credit loans can a head nurse in a 3A hospital borrow?
Credit loan 200 thousand. As long as they are full-time employees of public hospitals, they can apply for a credit loan of 200,000 yuan. The higher the administrative level, the more you can apply. The loan term is generally three years, and the repayment method is to pay interest monthly and repay the principal monthly.