Age requirement: 24-55 years old;
Income requirements: After the monthly salary of 5,000 yuan or more, the Bank needs to provide bank liquidation in the past 6 months, and pay a one-year social security or public accumulation fund in Hangzhou (half of the local account)
Working period: In this unit, you must have been working for at least 6 months.
Industry Constraints: Business Line Operators Will Not Be Accepted
Credit Requirement: A single credit card cannot be overdue for more than 12 times in 5 years, and cannot be overdue for more than 90 days in 2 years. The monthly credit payment cannot exceed 75% of income.
Other requirements: Only Hangzhou Eight Districts (Shangcheng District, Xiacheng District, Gongshu District, Xihu District, Jianggan District, Binjiang District, Yuhang District, Xiaoshan District), the person working at the office, other districts and counties will not be accepted, legal persons, shareholders and Private owners will not entertain
The following professionals can choose Nanjing Bank (specific industries) loan products, enjoy lower preferential interest rates and more flexible loan methods: 10.1 to 12.31 period of the following units of regular employees exclusive interest rate discount
Education, health, news, radio and television, publishing, banking, securities, insurance, telecommunications, aviation, tobacco, electricity, petrochemical, civil servants, and public institutions are in the process of staffing at lower interest rates.
1. Second-generation ID cards;
2. Work Proof: Work certificate with company official seal;
3. Proof of income: Bank liquidation is required for nearly six months;
4. One-year social security or proof of one-year provident fund;
Interest rate description
Loan period (months)
Monthly fee rate
Loan time 7 daysAssignee: Manager ChenApply on May 16, 2017
Mr. Zeng: Local household registration, office workers, working years 1~3 years
Loan time 5 daysAssignee: Manager ChenApply on May 09, 2017
Mr. Chen: Local household registration, office workers, working years 4~7 years
Loan time 20 daysAssignee: Manager ChenApply on April 16, 2017
Mr. Liu: Local household registration, office workers, working years 6 to 11 months
Loan time 4 daysAssignee: Manager ChenApply on April 11, 2017
Mr. Hu: Foreign residents, office workers, working years 1~3 years
Lending time 2 daysAssignee: Manager ChenApply on April 10, 2017
Mr. Xiong: Foreign residents, office workers, working years 1~3 years
First of all, you can check out how serious your overdue situation is, whether it is more than 90 days, and whether it is continuous or not. There are different approaches to deal with different degrees. If there are only a few overdue periods, it will not affect the relationship. .