- No room, no car, business card can also borrow hundreds of thousands? General loans need to be mortgaged. If there is no room and no car, can only business cards be used for loans? The answer is yes. Mr. Liu is a state-owned enterprise employee who recently wanted to buy a car worth 200,000 from a bank loan. He has no real estate just a few years after graduation, a bank launched...
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- No car, no room to borrow? Mr. Zhao has recently rushed to use the money and wants to go to the bank to apply for a loan. However, Mr. Zhao has no room and no car, so Mr. Zhao came to our 360 question and answer platform to ask questions, no car, no room loan? This car has no room, can you afford a loan, you have to see Mr. Zhao...
- No room, no car, can I get a loan from the bank with a salary card? Among the many lending institutions, the bank's loan threshold is quite high. If the lending institution is viewed from the perspective of investment, the bank must be a representative of the conservative and stable faction. It is their style to invest in a strong stock with a house and a car as a collateral. I don’t know,...
- Can a self-employed person apply for a loan without a car or a house? What do you need for a self-employed loan? Can a self-employed person apply for a loan without a car or a house? Generally, self-employed applicants must have a business license and bank flow to apply for a loan, and the personal credit status is better. If you have a business license for an individual business, you have been established for three years, just...
No room, no car, a business card can loan hundreds of thousands?
When “integrity” becomes a rare resource in society, the arguments of banks or private lending institutions that “you have no car, no car, no mortgage” have become weaker and weaker, and more and more financial institutions have jumped out of the collateral. , have launched credit loans.
On October 13, the reporter learned that many banks in Hunan can only borrow up to more than 30,500,000 yuan with personal credit; they also allow SMEs to obtain loans without proper collateral. To solve the problem of difficult loans.
At the Jinbo Fair on October 17-19, exhibiting financial institutions will be unsecured for individuals and businesses.Credit LoansFor detailed explanation and explanation, there will also be a green channel for applying for credit loans.
Help small and micro enterprises grow
In the first half of this year, the economic growth rate continued to adjust, and the development of China's real economy, especially small and medium-sized enterprises, was plagued, because on the one hand, small enterprises generally lacked collateral, and on the other hand, the phenomenon of “suspecting poverty and wealth” still exists. As a result, financial blood 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. Many financial institutions have mostly issued loans in the form of pure credit, which has solved the bottleneck problem of micro enterprise guarantees.
For example, the “good financial loan” credit loan product launched by CCB Hunan Branch is based on the activity level of small and micro enterprise transaction settlement and settlement accounts, and no credit or guarantee is required, and a credit loan of up to 2 million yuan is issued. Changsha Chenlong Electromechanical Equipment Co., Ltd. became the first enterprise in Hunan Province to receive the credit loan. The loan was 670,000 yuan.
At the end of September, Changsha Zhenan Electromechanical Equipment Co., Ltd., a micro-enterprise that manages machinery and equipment, hardware, and electronic products wholesale, took only 10 working days to mortgage with insufficient value and credit guarantees from Bank of China, Hunan Province. The branch business department received a loan of 1.6 million yuan. According to statistics, as of the end of July, the bank's three pilot banks have developed credit granting schemes for 58 micro-enterprises, involving financing needs of nearly 150 million yuan.
Personal credit becomes real gold and silver
If the enterprise credit loan is because the company has at least visible products and operations, then the personal credit loan is the business opportunity that the financial industry smells about social consumption upgrade.
Mr. Zhang, a national civil servant, recently wanted to buy a Honda car worth 340,000 yuan from a bank loan. Huarong Xiangjiang Bank’s “respect for the benefit” consumer loan just happened to meet his needs. After applying to the bank for a few days, he received a loan of 200,000 cars.
It is understood that “Zun Rong Yi” is a loan issued by Huarong Xiangjiang Bank for national civil servants for personal and household consumption.
Some people say that "respecting the benefits and benefits" is more like an identity loan. Then the "Yi Lian" products launched by ICBC's Hunan Branch can be paid through various payments as long as they are 18 to 70 years old and have good credits. Means to make real-time loans. This innovative product adopts credit loan method, no mortgage is required, the system automatically approves, and the funds are instantly received. As long as the single consumption amount is over 600 yuan, it can be handled. On the basis of not exceeding the credit line of the customer ICBC, the single customer can borrow up to 60 yuan. Ten thousand yuan.
AndGuangfa BankThe “Businessman Card” recently launched by Changsha Branch is to integrate the financing function of small and micro enterprises and the personal wealth management function of the enterprise. For the short-term and medium-sized financing needs, the cardholders will enjoy the credit period of up to 5 years. An unsecured credit loan with a quota of 500,000 yuan.
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