How do office workers apply for personal loans?

Why was it rejected? B: Because we can't find the right product.

Punch wages and provident fund are the conditions of bank credit. personal loan Although there is no house or car, the debt is not high and there are products to deal with.

If there is an online loan, you can apply after the settlement.

There are several forms of employee personal loans: personal credit personal loans, personal real estate consumption mortgage personal loans, and automobile mortgage.

personal loan.

Real estate mortgage is divided into first-class mortgage and second-class mortgage.

Credit personal loan: it is convenient and fast to handle, unsecured and secured, and you can apply for it with good credit. The specific conditions are as follows.

Second Mortgage: most are allowed to enter the mortgage home, a small number of products can enter the mortgage property.

You can choose the house, two mortgage. At present,

Changsha two sets of mortgage loan products rich, personalized

The loan is100,000. The house must have paid the license and meet the personal loan amount. Phase 1 mortgage: The mortgage period suitable for China is relatively long, generally more than 5 years, or the mortgage bank has a relatively high down payment ratio of personal loans. Due to individual problems, the rapidly appreciating real estate has certain personal loan development space. The advantage is that the personal loan project has a long cycle. By 10-20 years, the management options of interest first and equal principal and interest repayment are optional, with low interest and annualized 4-6%.

Personal car mortgage: vehicle Surplus value more than 50,000 yuan, the vehicle age in 10 years, 7 passenger vehicles (non-enterprise) self-employed, enterprises, fuel vehicles, hybrid vehicle, electric vehicles; A few bank products, most non-bank personal lending institutions car mortgage loan products, car mortgage loan requirements low, fast processing. Vehicle Surplus value generally refers to 6-8% of the vehicle Surplus value, with a few products reaching up to four times that of the vehicle, up to a ceiling of $100 million.

Access conditions for unsecured and personal credit personal loans:

Housing mortgage loan: Housing Mortgage loan repayment period of more than 6 months, the eligibility can apply for bank and non-bank personal loan products larger.

Hourly wages: hourly wages for more than one year are recorded in the bank statement or reflected in the tax account.

Social Security: the company that applies for the quota pays the social security for an individual for more than one year.

Provident fund: the provident fund is paid by the enterprise continuously for half a year or more, and the monthly payment is more than 500.

Commercial Insurance: the applicant must be the insured, have life insurance, annual premium in 2,400 yuan, and has paid more than 6 months.

Full house u002F mortgage house: the applicant can have a house at the place of application, and the mortgage must have a repayment record of more than six months.

Student personal loan: Credit personal loan applied for by current students or their parents or specific groups.

Personal loans for decoration enterprises: according to

Adaptability to new renovations and renovations

In China, housing, specific groups and fixed personal loan funds are used.

Education personal loan: full-time college degree or above, provide relevant education certificate information.