Hua Xia Bank's free credit
The loan amount of “Xianxin Loan” is 2,000 yuan, and the loan amount does not exceed 95% of the face value of the pledge. If the mortgage is used as a guarantee, the loan amount shall not exceed 70% of the assessed value of the collateral, including commercial, villa and high-end. The home does not exceed 50% of the assessed value.
What are the products of Huaxia Easy Life?
This series of products includesPersonal comprehensive consumer loanPersonal student loans, personal car loans, etc. Take the “personal car loan” as an example. It is a loan issued by the bank to the borrower to purchase a first-hand car. The self-use car refers to a car purchased by the borrower and not for profit; the commercial vehicle refers to a car purchased by the borrower for profit. With various guarantees,Loan amountHigh product price, convenient price, high quality service and other product features, the loan amount can reach up to 80% of the purchased car.
How to apply for a free loan
Self-service loan application; valid ID card for the borrower, individual industrial and commercial households must also provide industrial and commercial business license; proof of residence address of borrower and family members (household book and recent water or electricity bill, gas bill, etc.); borrower occupation andProof of incomeAnd the basic situation of family members (work permits and pay slips or other valid certificates); if you apply for a loan by pledge, you should submit the pledge-related rights proof documents required for the guarantee; if the right holder of the pledge is a third party, you must also provide The valid identity document and the pledge power of the right holder; if the pledge of the joint property is provided, the written certificate of the consent pledge issued by the other property owners shall be provided; if the property is used as the collateral, the borrower shall provide the "house ownership certificate" and the collateral. The property insurance policy and the collateral assessment report issued by the Bank's recognized unit; if the property under the name of the immediate family member is used as collateral, the valid identity document and mortgage authorization of the owner of the property must be provided; A written certificate of consent for mortgage issued by other property owners shall be provided; if the loan is applied for in a guaranteed manner, the borrower shall provide valid identity documents, proof of residence address and proof of stable income of the guarantor and his family; and provide relevant materials to prove the use of the loan. .
Huaxia Bank Self-help Loan
Hua Xia Bank’s “Free Loan” is a self-service loan product. The free loan is a high-tech product specially designed by Huaxia Bank for the borrower who uses the time and the amount of money is uncertain. According to the credit status of the borrower, the borrower is granted a one-time credit. During the credit line and credit period of Hua Xia Bank, the borrower can recycle the credit line to use the personal loan products to meet the borrower's daily consumption and business turnover needs.
How long does it take for the loan review?The free loan is a high-tech product specially designed by Huaxia Bank for the borrower who uses the time and the amount of money is uncertain. The product is granted a one-time credit according to the applicant's credit status. Within the credit line and credit period, the applicant can recycle the credit line to meet the daily consumption and business turnover needs.
What materials does Hua Xia Bank need for free loans?Huaxia Bank's self-service loan--Xinxin Loan is a high-tech product specially designed by Huaxia Bank for borrowers who use the time and the amount of money is uncertain. The free loan product integrates your personal deposit and withdrawal, credit, transfer, consumption and other functions into a Chinese card, integrating and expanding the bank's personal financial products; personal deposit quality