What are the requirements for Bank of Zhengzhou Zheng Hao Loan?

A natural person with Chinese nationality and full capacity for civil conduct, with valid identification documents.

the amount and duration of the loan in Bank of Zhengzhou:

1. The mortgage rate of commercial housing can reach up to 81%.

2. The mortgage rate of office buildings and shops can reach up to 61%.

3. The mortgage rate of industrial plants can reach up to 51%.

4. The longest term can reach 31 years; Mortgages include shops, office buildings, houses, villas, factories, warehouses and so on.

did Bank of Zhengzhou Zheng Hao loan pass?

Bank of Zhengzhou Zheng Hao loan passed. Bank of Zhengzhou Zheng Hao Loan is a loan service for customers who need funds. As long as users have a good credit history, they can apply for Zheng Hao Loan, which is generally easier to be approved.

how to apply for a credit loan in Zhengzhou in p>2116

Generally speaking, those who apply for a credit loan in Zhengzhou are customers with stable income, such as national civil servants, teachers, police, doctors and other people. With the good credit accumulated at ordinary times, they can apply for and obtain a bank credit loan without mortgage and guarantee. Below, taking the personal production and operation credit loan in Bank of Zhengzhou as an example, I will explain how to apply for credit loan in Zhengzhou in 2116.

I. loan conditions and targets

a loan granted by Bank of Zhengzhou to natural person customers with good credit standing to solve the working capital required by the applicant's legitimate production and business activities without providing any guarantee. Natural persons with business entities who have been approved and registered by the administrative department for industry and commerce or the competent authority and have conducted annual industrial and commercial inspections on schedule, including individual industrial and commercial households or shareholders or legal representatives of limited liability companies and joint stock limited companies, responsible persons of institutions, responsible persons of other organizations, etc.

ii. loan term and amount

the longest loan term is 1 years (inclusive), and the loan amount shall not exceed 51% (inclusive) of the observable net assets owned by the applicant's family or company, and the maximum loan amount shall not exceed 3 million yuan (inclusive).

III. Application materials

1. Business license and tax registration certificate. Enterprises should also provide organization code certificate and loan card. Engaged in licensing business, should provide the original and copy of the business license of the relevant administrative departments;

2. Bank statements for the last year;

3. The borrower and his spouse or the shareholders of his company holding more than 1.5% of the shares shall bear the joint liability guarantee; It is also necessary to provide the qualification of the guarantor, the written document that the guarantor agrees to provide the guarantee, and the certification materials of the guarantor's guarantee ability;

4. Other information needed by Bank of Zhengzhou.

IV. Application Process

1. Acceptance of application: The borrower applies to the bank for a loan and submits relevant materials. The loan handling bank shall, within 3 working days after receiving the customer's application, give the customer a reply on whether or not to accept it.

2. loan investigation, review and approval: the bank conducts project investigation on the credit status, repayment ability, loan purpose, authenticity and legality of the materials of the borrowers and guarantors, and issues a feasibility report, which is examined and approved within the authority of the branch, or submitted to the authorized approver of the headquarters for examination and approval. If the loan credit is approved, the bank credit officer shall inform the applicant of the approved credit amount, term, expected annualized interest rate, repayment method and other related matters within 1 working days.

3. Loan issuance: After the loan is approved, the Personal Loan Contract and other necessary legal documents are signed with the customer, and the loan operation is carried out within the approved amount after the contract comes into effect.

which banks can handle provident fund loans? These banks can!

At present, many banks in China can apply for provident fund loans. As long as you meet the requirements, you can apply for loans. Different banks have different standards, and many cities have other regulations on provident fund loans, so it is best to go directly to the outlets for consultation. Here are some common bank provident fund loans, which are subject to the banking rules.

1. Postal savings bank-provident fund credit loan

quota: 311,111 yuan, 511,111 yuan

Interest rate

Repayment method: interest first/interest later

Unit requirements: administrative institutions, civil servants, banks, hospitals, schools, state-owned enterprises, central enterprises and other excellent occupations can apply

2. Bank of Zhengzhou-provident fund credit loan

amount: 111-311,111

interest rate

repayment method: interest first, capital later

unit requirements: excellent occupations such as public transportation, railways, schools, hospitals, and financial card punching can all apply

3. Ping An Bank-provident fund credit loan

amount: 511,111

. Both individuals and private enterprises accept

4. CITIC Bank-provident fund credit loan

amount: 1-311,111

interest rate

repayment method: interest first

unit requirements: civil servants and institutions

5. Industrial and Commercial Bank of China-provident fund credit loan

amount: up to 511,111

. 411,111 at the department level and 511,111 at the department level

are common bank loan products. As long as you have good qualifications, it is easier to apply for success. You'd better start preparing six months to one year in advance, keep the continuity of the provident fund and have a good credit report.

what do I need to get a loan in Bank of Zhengzhou?

Hello, there are many loan channels now. You can choose Internet credit products except bank channels. If you are in urgent need of money, I suggest that you must choose a reliable big brand. Money spending is a credit service brand of Xiaoman Finance (formerly Baidu Finance), which is safe and trustworthy, and has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security. The application materials are simple, with the fastest approval in 31 seconds and the fastest loan in 3 minutes. Repayment can be made in advance, and the loan can be recycled after the repayment. Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements.

1. Age requirement: between 18 and 55 years old. Special note: If you have money to spend, you refuse to provide consumer installment loans to college students. If you are a college student, please give up your application.

second, 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 I can't apply with temporary id card, expired ID card or first-generation ID card.

I hope this answer is helpful to you. Click on the bottom of the mobile phone to measure the amount immediately!

Is the loan in Bank of Zhengzhou easy to handle?

Hello, it's easy to handle if you meet the requirements. As long as you have a stable income from work and there is no problem with your credit information, you can apply for banking business.

To apply for a bank loan, you need to prepare materials:

1. Valid identity documents;

2. proof of permanent residence or valid residence, and proof of fixed residence;

3. proof of marital status;

4. Bank flow;

5. proof of income or personal assets;

6. Credit report;

7. loan use plan or statement;

8. Other information required by the bank.

Conditions required for bank loans:

(1) A permanent residence of urban residents with full capacity for civil conduct or a valid identity certificate, and the lender is required to be between the ages of 18 and 61;

(2) have a stable legal income and the ability to repay the interest;

(3) Other conditions required by the lending bank.

The procedures are generally divided into three steps:

(1) The customer submits basic information, including the work unit and contact telephone number.

(2) Lending banks or companies should check the credit information of customers, including whether the credit rating of customers has any illegal records. For self-employed individuals and small and medium-sized enterprises, it is also necessary to investigate their business conditions.

(3) The staff of the lending unit signed a contract with the customer and realized the loan in the shortest time.