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Credit loan

A credit is a loan issued by the borrower's credit, and the borrower does not need to provide a guarantee. Which is characterized by the debtor without the need to provide collateral or third-party guarantee alone can be obtained by their own credit, and the borrower's credit as a repayment guarantee. This credit is the long-term major lending method of our bank. Due to the greater risk of this type of loan, the borrower's general economic efficiency, management level, development prospects and other circumstances to conduct a detailed study to reduce the risk.

Credit interest rate

Now the credit rate is generally 0.8-2.88% monthly interest rate, the specific need to combine the borrower's qualifications and the choice of the loan institutions may be.

The interest on credit is complementary to the borrower's personal qualifications, and if the individual is good enough, then any bank will not suffer. In addition, the regional bank credit loans in terms of interest rates are not the same, take the Chengdu area, compared to a number of banks, we can see that the Bank of China in 2015 the implementation of the credit rate is relatively low, the month The interest rate is only 0.54%. In addition, the construction bank's personal credit loans have no interest, but there are 0.38% of the monthly management fee, doing it is not cheap.

However, these state-owned banks, although the interest rate of credit loans, but the application conditions are very strict. Such as the construction of the bank, it is required in Chengdu, a stable monthly income, and must reach more than 6,000 yuan, the professional nature must be good, and the need for work in the current unit for 12 months. While the Bank of China is to require monthly income must be more than 8,000 yuan, and the requirements of the application process, this more stringent requirements that is difficult to meet the standard.

How credit is credit

If your credit record is prohibited by the people, it can not get a loan, if the credit card credit record is too bad, it should still be able to loan, the loan amount and the number of years will be controlled. Bad credit record is the blacklist, is the bank to review whether the loan is the first consideration factors.

There are bad records do not represent the loan can not, depending on the bad record of your causes, bad frequency and the extent of bad records. Different banks will be based on bad records of the time and other factors to carry out research. Bad records are automatically removed after 7 years.

At present, many small commercial banks are flexible when approving loans. They will not look at your reports or credit records like the four state-owned banks. They will analyze the factors that produce bad credit records. Bad credit records cause you must be clear that the frequency of overdue in the credit report on the reality, the other is to look at the severity of your overdue, that is, look at the corresponding number of credit reports, the general number of overdue In more than 3, the bank loan is basically very difficult.

Online credit

Online credit, does not mean that after the Internet to submit a loan application, you can get a loan. In fact, the so-called online credit loans, that is, in the regular network loan platform to find suitable for their own lending institutions, contact with each other and the loan consultation matters, if the loan requirements in line with each other, then the loan company will notify the company face contract, and Handle the relevant loan matters.

In the online loan company to apply for a loan, we must pay more attention. In general, the online application for loans, mainly to find a local formal loan company application, if the field of loan companies, not credible.

Apply for credit on the Internet, the formal loan company before lending, will not charge any fees, and apply for credit procedures, is to face to face, can not go through the network, fax for processing.