The institutions that can handle loan business include: state-owned banks, foreign banks, private banks, companies, guarantee companies, finance companies, financial leasing companies, pawn companies, insurance companies with loan business and professional loan companies.
The loan agency is divided into:
Bank:
Bank loans are not only low cost, but also safe and reliable, but the threshold is high. If the borrower's qualifications are not particularly good, it is difficult to get a loan.
Non-bank financial institutions:
Including loan companies, pawn shops, guarantee companies and other lending institutions, the loan threshold is lower than that of banks, which brings hope to loan applicants.
Information to be prepared for bank loans:
Identity cards of both husband and wife;
Residence booklet, temporary residence permit and residence booklet for foreigners;
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.
Loans generally need a stable source of income to be processed, but they also need to look at the specific requirements of banks. It is suggested that you can go to a regular lending institution for detailed inquiry.
After the loan is successful, it must be repaid on time. Failure to repay or delay repayment is overdue.
Consequences of overdue:
1, bear high penalty interest;
2. Initiate laws;
3. Leave a "credit stain" in the national credit information system.
The suggestions are as follows:
1, it must be made up immediately, and a part of the penalty interest must be paid. It is recommended to hand in more, so that the bad records can be cleared temporarily. If the payment is overdue for more than one month, the next repayment shall pay off the monthly payment for two months and the penalty interest for the previous month in one lump sum;
2. If there is no delay in the future, after one year, the computer will eliminate this bad record;
3. The repayment is postponed, but the repayment period will not be postponed, and only a bad record will be left forever;
4. Remember to pay off the previous monthly payment and penalty interest before the repayment period next month.
2. Which bank in Nanning can borrow money to decorate the house?
Take a gun and come out at the gate of the bank, one shot at a time. It's convenient and quick to go out with the money.
3. Introduction of Nanning Dadu Co., Ltd.?
Nanning Dadu Co., Ltd. is a limited liability company registered in Nanning, Guangxi Zhuang Autonomous Region on April 25th, 2065438 (wholly owned by a legal person invested or controlled by a non-natural person). Its registered address is located at the floor of Guangxi Gongjian Building 1 Building 10, Pingle Avenue, Liangqing District, Nanning.
The unified social credit code/registration number of Nanning Dadu Co., Ltd. is 914501000983432380, and the enterprise is in the state of opening.
The business scope of Nanning Dadu Co., Ltd. is: carrying all kinds of articles; Handle small business development, management, finance and other consulting business. In Guangxi Zhuang Autonomous Region, the total registered capital of companies with similar business scope is 6,695.97 million yuan, and the main capital is concentrated in enterprises with a scale of more than 50 million, with * * * 108. Within the scope of this province, the registered capital of mobile enterprises belongs to the general.
Nanning Dadu Co., Ltd. invested in two foreign companies, 1 branch.
Through Baidu enterprise credit
See Nanning Dadu Co., Ltd. for more information and materials.
4. Who are the banks that undertake loan business in counties and districts of Nanning?
2 10/June 01June 0, Nanning Housing Provident Fund Management Center issued "Mortgage Business from Commercial Housing Loans to Housing Provident Fund Loans of County (District) Management Department", pointing out that in order to further expand the benefits of housing provident fund loans, lower the threshold for handling the business of transferring commercial loans to housing provident fund loans, reduce the repayment pressure of employees who have paid commercial loans to buy houses in Nanning, and save the interest expenses on paid employee loans, June/kloc-.
The county (district) commercial banks that undertake the business of corporate lending are:
1. Wuming District: Wuming Sub-branch of China Construction Bank, Wuming Sub-branch of Industrial and Commercial Bank, Wuming Sub-branch of China Bank and Wuming Sub-branch of Agricultural Bank;
2. Hengzhou City: Hengxian Sub-branch of China Construction Bank, Hengxian Sub-branch of Industrial and Commercial Bank, Hengxian Sub-branch of China Bank and Hengxian Sub-branch of Agricultural Bank;
3. Binyang County: Binyang Sub-branch of China Construction Bank, Binyang Sub-branch of Industrial and Commercial Bank, Binyang Sub-branch of China Bank and Binyang Sub-branch of Agricultural Bank;
4. Shanglin County: Shanglin County Sub-branch of China Construction Bank and Shanglin County Sub-branch of Agricultural Bank;
5. mashan county: mashan county Branch of Agricultural Bank;
6. Longan County: Longan County Sub-branch of Agricultural Bank.
Business start time:
202110/kloc-0 was officially implemented on October 22nd.
Place of business:
(1) Wuming Management Department: next to the sales department of Jinyu Huafu, Huangge Road 12, Biaoying New District, Wuming District;
(2) Hengxian Management Department: Longxiangyuan, Longchi New City, Jasmine Avenue, Hengzhou Town, Hengzhou City;
(3) Binyang Management Department:No. 1 1 No.2, West Row, Commercial City, Plaza New District, Binyang County;
(4)No. Tai 'an Street 102, Chengxiang Town, Longan County;
(5)No. Fu Qun Road 170, Baishan Town, mashan county;
(6) No.0/55, Xinfeng Road, Dafeng Town, Shanglin County.