Industrial Credit is a private formal company.
Industrial Credit was established on August 9, 20 1 1, and it is the leading brand of private lending. In view of the current situation of non-standard financial industry, high risk, many acquaintances, many borrowers and long loan time, Industrial Credit specializes in standardizing sunshine operation and sharing eight years of mature practical experience. Industrial credit practical technology bookstore can't buy it, and professors can't talk about it. It provides you with a comprehensive risk control system, a perfect business process and a professional risk legal team through years of private financial practice, drawing on the essence of domestic and foreign credit theory and domestic first-class industrial credit risk control technology.
Second, is the Industrial Bank loan reliable?
Industrial Bank loans are still relatively good. The loan interest rate of Industrial Bank is OK! And relatively speaking, the audit threshold is relatively low! It is relatively easy to apply for a loan from Industrial Bank, but the borrower must provide sufficient loan information: 1. Personal valid identity documents; 2. Proof of permanent residence or valid residence at the place where the lending institution is located, and proof of permanent residence; 3. Proof of the marital status of the borrower; 4. The bank under the borrower's name pays wages; 5. Proof of income or personal assets; 6. Authorize the lending bank to inquire about the personal credit report; 7 loan use plan or statement; 8. Other information required by the bank. Extended information: 1. What is Industrial Bank? Industrial Bank Co., Ltd. was established in August, 1988. It is one of the first joint-stock commercial banks approved by the People's Bank of China, the State Council and Chinese mainland. The head office is located at No.0/54, Hudong Road, Fuzhou City, Fujian Province. On February 5, 2007, it was successfully listed on the Shanghai Stock Exchange (stock code: 60 1 166) with a registered capital of190.52 million yuan. Since its opening 30 years ago, Industrial Bank has always adhered to the business philosophy of "sincere service and growth" and is committed to providing customers with comprehensive, high-quality and efficient financial services. By the end of 20 14, the total assets of Industrial Bank exceeded 4 trillion yuan, reaching 4.4 1 trillion yuan, an increase of 19.84% over the beginning of the year. The net assets per share attributable to ordinary shareholders was 65.438+0.286 billion yuan, an increase of 22.438+0% compared with the beginning of the year. The annual operating income was 65.438+024.834 billion yuan, a year-on-year increase of 654.38+04.23%; The net profit attributable to shareholders of the parent company was 4,765.438+0.08 billion yuan, a year-on-year increase of 65,438+0.4365.438+0%; The weighted average return on equity remains at a high level of 2 1. 19%; Establish 108 branches and 1435 branches in major cities across the country; Its subsidiaries include Societe Generale International Trust, Societe Generale Financial Leasing, Societe Generale Fund, Societe Generale Consumer Finance, Societe Generale Wealth and Societe Generale Asset Management, forming modern financial service groups such as futures and asset management. With banks as the main body, it covers trust, leasing, funds, securities and consumer finance. And adhere to the customer-centered, improve and perfect the professional operation system, constantly promote and deepen business transformation, unremittingly promote product innovation, process optimization and technological upgrading, and form a professional operation system dominated by corporate finance, retail banking and financial services. Financial markets. The business field has been continuously extended, the product sequence has been continuously enriched, the service system has been gradually improved, and the comprehensive service capability and service level have been continuously improved.
Good loans, Industrial Bank loans provide repayment grace period service, that is, the repayment date is fixed every month to the end of the month, providing borrowers with the longest grace period of 10 days. Repayment is normal at any time during the grace period, and there is no overdue interest and penalty interest, which will not affect personal credit history. The application condition for personal mortgage of Industrial Bank is 1. A natural person who has reached the age of 18 and is under 65, has valid identity certificate, residence certificate and income certificate, has no bad credit record and has full capacity for civil conduct; 2. The sum of the applicant's age and loan term shall not exceed 70; 3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements; 4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest; 5. There is a valid guarantee recognized by Industrial Bank; 6. Open a personal settlement account in Industrial Bank, and handle settlement business such as loan issuance and repayment through natural life family financial card; 7. Other conditions stipulated by Industrial Bank. The mortgage interest rate of Industrial Bank applies for a loan for the first time to purchase ordinary self-occupied housing, and the loan interest rate is not less than 0.7 times the benchmark interest rate of the corresponding grade announced by the People's Bank of China. Other loan interest rates shall be implemented within the benchmark interest rate of loans of the same grade and the corresponding floating ratio announced by the People's Bank of China.
It's good. The loan information is as follows: proof of assets: real estate or automobile production. Nature of unit: government agencies, institutions, state-owned enterprises, or listed companies in the world's top 500. Judge whether your income is stable. Income certificate: the income certificate issued by the company or the salary flow issued by the bank. Nature of loan: is it a loan to buy a house, a car or a business investment? Tax payment certificate: personal income tax payment certificate. Go to the local branch or branch online store to discuss with the lobby manager.
Last year, I took a mortgage of 3.2 million yuan in Huayuan Road, Industrial Bank of Beijing. I still paid my due money, but I haven't got the room book for a month. I said the branch office was a mess and I haven't got the household registration book yet. I went to manager Guo who gave me a loan at that time. He said he wanted me to call the head office to complain, the Consumers Association and the China Banking Regulatory Commission. Shit, I didn't expect the house mortgage loan to be as bad as a liar.
Industrial Bank should carefully understand whether it is good or not, see clearly the terms of the loan contract, and repay the loan on schedule if something goes wrong. Account information needs to be checked repeatedly, and it is easy to be changed and normalized.
Third, Industrial Credit, is this credit company legal?
Whether it is legal, whether the key has a business license, whether the documents are complete and true, and whether the business project is within the approved business scope.
Is Societe Generale International Limited formal?
Oh, no, it's the same model, but how can I find an ordinary one?