28 Jul 2008

Consumer loan procedures

Is a venture in Shenzhen's dream, the wage is always the hearts of the pain……

Their business, with, the customer has, with talent…… missing a little bit on the start-up funding, is only owed everything is ready so-called Dongfeng ah. k does not matter, as long as a good and creative, capital afraid of what » Bank there is not plenty of money? » Banks are doing, is the need for the timely help of funding them.

But the bank is not free money being paid, and it has its own set of methods and systems of control, people may listen to bank customers money managers say a few words on the request was made Yunliwuli, financing is not a simple matter Ah, indeed, in banks, Chinese banks on the one hand the deposits of astronomical breakthroughs, but the money has come in to deposit interest paid to depositors, the bank also has a revenue-producing deposits to the pressure inside. After all the money on the library is not automatically added value. k so that the value of money is the primary means of the purchase price. So banks have to absorb the demand deposits more lenders to demand the driving force. However, Qian You can not arbitrarily put to the people, financial security will never be the first place.

So the lenders to the customer? «Generally credit loan, the purchase price two main ways. The general enterprises and individuals to get credit for the purchase price is impossible, only that the remaining money on the road can be left. For us personally, the most commonly used is the purchase price of the housing mortgage loan. That is, the banks now launched the personal consumption loans. k But even if you have real estate as collateral, the banks have a process to examine each client's credit, depending on the credit ratings given to different loan-to. Is based on the so-called percentage of your money to fight the demolition, Tongsudishui is if you take 1 million of real estate collateral impossible to 1 million of goods to the capital, only 1 million less than the amount of money you used to The. This percentage is generally four to about 70%, with the bank's specific requirements and different periods vary.

Then our money is to have experts in this area needs a friend to the banks for loans and as much as possible the application process. We paid and free of charge d'affaires. Now we talk about simple applications for consumer loans:

1, with full civil capacity of natural persons have a stable income, good credit, the ability to repay the loan principal and interest
2, approved loans to the mortgage or pledge
3, individual housing loans for the basic needs
4, identity documents (identity cards, residence documents of the accounts or other identity documents)
5, proved the ability of borrowers to repay mortgage or pledge of the Rights of the list, ownership documents, issued by the powers who agreed to
6, mortgage or pledge of proof
7, the agency authorized to loans issued by the collateral valuation report
8, agreed to sponsor and guarantor of the written opinion of the creditworthiness of proof
9, various loans for other purposes

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