China Bank Shenzhen Personal Credit Revolving Loan Purpose:
It can be used for all legitimate personal consumption expenses, such as car purchase, decoration, travel, study abroad (including living expenses and security deposit), weddings, festivals, further education, purchase of aged care services, housekeeping and other normal consumption expenses. Loans shall not be used for investment, business or personal expenses without specific purposes, and shall not be used for projects such as stock and securities investment, house purchase and housing construction explicitly prohibited by national laws and financial regulations.
The above contents are for your reference. Please refer to the actual business regulations.
What are the requirements for handling personal credit revolving loan of China Bank?
China Bank Shenzhen Personal Credit Revolving Loan Handling Conditions:
1. People's Republic of China (PRC) (China) citizens, including Hongkong and Macao residents who have worked in China for one year or more, should own their own property in Shenzhen.
2. A natural person who is at least 18 years old (at least 23 years old in guarantee/credit category) and has full capacity for civil conduct; The borrower's age plus the loan period is no more than 65 years old, and customers who meet the standards of private banking and wealth management of China Bank can be relaxed to 70 years old.
3. In principle, the longest overdue period of the borrower shall not exceed 1, and there is no outstanding overdue record.
4. It has a continuous and stable income source, and has the ability and willingness to repay the loan principal and interest on schedule.
Before handling personal consumption loan, you need to open a deposit account with Bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
What are the lender's conditions for China Bank's Shenzhen personal credit revolving loan?
Conditions for handling personal credit revolving loan in Shenzhen:
1, a natural person with full capacity for civil conduct;
2. People's Republic of China (PRC) (China) citizen; The borrower must have a permanent residence in Shenzhen;
3. Have a fixed residence and a stable income;
5. The sum of the borrower's age and bank date shall not exceed 65 years old, and the borrower's age shall be over 23 years old. For details, please consult the loan handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
How much can Shenzhen provident fund credit loan borrow?
Shenzhen provident fund credit loan can handle 4-5 loans at the same time, with a maximum loan of more than 2 million. As long as you have enough repayment ability, it is no problem to borrow 10 loan.
A customer borrowed 1 1 from the bank and 220 from consumer finance within three years, with a total debt of 2.89 million. When the investment failed, he couldn't afford it, so he started online lending.
The credit investigation is very clean. At the same time, four loans of 6.5438+0.4 million, one of 500,000 and the other three of 300,000 were granted. After waiting for half a year, I stayed for half a year, and then I made two loans to the bank, totaling 600,000. Then for eight months, the bank could not lend consumer finance, and 22 loans were made.
Clean credit information, high punch card salary and high provident fund base. The down payment is 6,543.8+0,000 yuan, which will be repaid in five years, not to mention the full amount, and 800,000 yuan will be approved.
The credit loan amount of Shenzhen Provident Fund varies from person to person. The better the work unit, the higher the base of the provident fund, the cleaner the credit information, the lower the debt and the higher the quota!
What are the bank loans in Shenzhen? What should I pay attention to?
Banks apply for loans with low interest rates, but the review is relatively strict. Materials to be prepared for bank loans: ID cards of both husband and wife; Household registration book/foreigners need temporary residence permit and household registration book; Marriage certificate/divorce certificate or judgment/single certificate; Proof of income; Academic certificate; Bank flowing water; Other attributes; Copy of the business license of the unit (with official seal); Large deposit certificates, etc. ; If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements. Bank loans are divided into mortgage loans and unsecured credit loans. Credit loan refers to the loan issued by the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. Loan preparation conditions: fixed income depends on salary details. 18-50 years old, pay off the loan before 65 years old. If the loan is used for business or car purchase, there must be a guarantor and mortgage. No bad credit record. Materials to be prepared for the loan: the lender's ID card; Credit information of the lender in the last six months, and the credit information is good; The bank card under the lender's name has been flowing for nearly half a year without interruption; Proof of the lender's residence permit (rental contract, real estate license, water and electricity invoices for the last three months); Income certificate issued by the lender's work unit; Social security, insurance policy and provident fund can also be loaned. If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars. For example: personal salary loan salary loan needs to prepare information: the lender's ID card; Credit information of the lender in the last six months, and the credit information is good; The bank card under the lender's name has been flowing for nearly half a year without interruption; Proof of the lender's residence permit (rental contract, real estate license, water and electricity invoices for the last three months); Income certificate issued by the lender's work unit; , social security card (available); , provident fund card (available). Pay the loan on time, and don't let it be overdue. First of all, the bank will send people to keep urging loans and bear high penalty interest. Secondly, if it is a bank, it is very likely to apply for the preservation of personal assets, such as real estate, cars, deposits, stocks and so on. Third, if the assets are cleared, the loan principal and loan reminder fees cannot be returned, you can apply to the bank for salary income (deducting basic living expenses). Fourth, unless you deliberately take a loan or provide false information, you will not go to jail. Fifth, if you can't pay back the money within a certain period of time, you will be blacklisted in the credit information system, you can't borrow any more, and it is difficult to apply for a credit card. Tips: Loan is a contractual act. Please abide by the rules to avoid leaving bad records in future credit information. Consequences of overdue: If the repayment is not made at one time, the bank will notify you by phone or SMS to remind you to repay on time, which will also result in penalty interest. If the loan is not repaid for three consecutive times, the bank account manager will collect it and the borrower will be penalized. If the number of overdue repayments reaches six or more times, the bank will safeguard its rights and interests through legal means, and may freeze its assets during this period. If the bank and the borrower fail to negotiate, the bank will auction the mortgaged property through legal procedures.
What are the conditions for bank loans in Shenzhen?
Hello, generally speaking, the basic conditions for personal loans are as follows:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.
If you need money urgently, you can also consider online lending. I suggest you choose a big brand loan, with transparent interest and fees to ensure your information security. It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.
I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.