- There is no room without a car, business cards can also loan hundreds of thousands of it? General loans need to be mortgaged. If there are no cars in the house, only business cards can be loaned? The answer is yes. Mr. Liu is a state-owned enterprise employee and recently wanted to buy a car worth 200,000 from a bank loan. Just a few years after he graduated, he had no real estate. A bank launched...
- No house, no car, no bankbook, can even be loaned? Abang, an individual small merchant in a small, four-tiered city, was guarding a small shop but his business was good or bad, plus he spent some money on his hands and feet, and he entered the community for several years, leaving little money in his hands. Friends joked that there are no three people, no room, no car, no deposit, but near...
- Can you get a loan without a car? Mr. Zhao recently rushed to use the money. He wanted to apply for a loan from the bank. However, Mr. Zhao did not have a room and no car, so Mr. Zhao specially came to us to ask questions on the 360 Q & A platform. Didn't the car have no room to loan? This car did not have a house in the end can not loan, have to look at Mr. Zhao ...
- There is no room without a car. With a payroll card, can you get a loan from a bank? Among the many lending institutions, it is well known that banks have a high threshold for lending. If we look at lending institutions from the perspective of investment, banks must be conservative and stable representatives. It is their style to invest in strong stocks that have property and vehicles as collateral. As everyone knows,...
- Can a self-employed person apply for a loan without a car? What are the needs for self-employed loans? Can a self-employed person apply for a loan without a car? In general, self-employed individuals must provide business licenses and bank liquidity to apply for loans, and their personal credit status is better. If you have a business license for individual industrial
No room, no car A business card can loan hundreds of thousands?
When “good faith” has become a rare resource in society, the arguments of banks or private lending institutions that “you don’t have a car or a car and what kind of mortgage loan” have become weaker, and more and more financial institutions have jumped out of the confinement of collateral. They have introduced credit loans.
On October 13, the reporter learned that many banks in Hunan can lend up to more than 30,000 to 500,000 yuan by virtue of their personal credit; they also allow SMEs to obtain loans without suitable collateral. , crack the problem of loan difficulties.
At the Gold Expo on October 17-19, participating financial institutions will be unsecured to individuals and businesses.Credit LoansFor detailed explanation and explanation, there will also be a green channel for applying for credit loans.
Helping the growth of small and micro enterprises
In the first half of this year, the economic growth rate continued to adjust, and the development of our country’s real economy, especially small, medium and micro enterprises, was plagued by the fact that, on the one hand, small companies generally lacked collateral, and on the other hand, the phenomenon of banks “poorly rich and poor” still existed. As a result, financial transfusions often fail to reach small and micro enterprises.
The reporter learned that more and more banks in Hunan have noticed the shortcomings of traditional small- and micro-businesses. There are many financial institutions, most of which issue loans in the form of pure credit, breaking the bottleneck of micro-enterprise guarantees.
For example, the “Good Credit” credit loan product launched by the Hunan Branch of CCB is based on the activeness of the settlement and settlement accounts of small and micro enterprises, and does not require mortgages and guarantees to issue credit loans of up to 2 million yuan. Changsha Chenlong Mechanical and Electrical Equipment Co., Ltd. became the first company in Hunan Province to obtain this credit loan, and this loan was 670,000 yuan.
At the end of September, Changsha Zhen'an Mechanical and Electrical Equipment Co., Ltd., a micro-enterprise operating mechanical equipment, hardware and electronic products, and electronic products wholesale, took less than 10 working days to use less-valued real estate mortgage plus credit guarantees, from the Bank of China in Hunan Province. The branch business department obtained a loan of 1.6 million yuan. According to its statistics, as of the end of July, the bank's three pilot banks have established credit programs for 58 micro-enterprises, involving nearly 150 million yuan in financing needs.
Personal credit becomes real gold and silver
If corporate credit can be credited because the company has at least visible products and operations, then personal credit can be a business opportunity for the financial industry to smell the upgrade of social consumption.
Mr. Zhang, a civil servant in Changsha, recently wanted to buy a Honda car worth 300,000 to 400,000 yuan from a bank loan. Huarong Xiangjiang Bank's "reward and benefit" consumer loans, just to meet his needs, apply to the bank a few days later, he received 200,000 auto consumption loans.
It is understood that "Zunrongyi" is a loan issued by Huarong Xiangjiang Bank exclusively for the state's civil servants for its personal and family consumption.
Some people say that "Zunrongyi" is more like a form of identity loan, so if ICBC Hunan Branch's "Easy Loan" product is an 18 to 70-year-old ICBC payroll customer with good credit standing, it can pay through various payments. Means for real-time loans. This innovative product adopts a credit loan method, which requires no mortgage, the system automatically approves, and the funds are instantly available. This can be handled as long as the single consumption amount is over 600 yuan. The maximum credit for a single household is 60 based on the credit line of the customer ICBC. Ten thousand yuan.
WhileGuangfa BankThe “Commercial Card” recently launched by the Changsha Branch is to integrate the financing functions of small and micro enterprises and the personal wealth management functions of business owners. In response to short-term medium and micro financing needs, cardholders will enjoy a credit extension period of up to 5 years. An unsecured credit line with an amount of RMB 500,000.
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