Since it is an application, I certainly hope to get a loan simply and quickly. Otherwise I might as well apply for a large loan. At present, many friends will choose to apply for a small amount of funds. Under normal circumstances, applying for a loan of 10,000 to 20,000 yuan can solve the immediate urgent needs. So how to get 20 thousand yuan, and what are the ways to apply for 20 thousand yuan? Here are three better ways to introduce yourself:
1, credit loan
Because the amount of 20,000 yuan is not high, and precisely because of this, if the borrower meets the conditions, he can directly obtain a credit loan of 20,000 yuan through credit loans. Applying for a credit loan requires the borrower to earn at least 3,000 yuan, with good and stable income and good credit.
2. Mortgage loan
If your personal credit is a little poor, but you can provide collateral as collateral, you can also try to get a loan through mortgage. Mortgage loans require borrowers to use collateral as collateral. At the same time, different lending institutions have different requirements for the credit and income of borrowers, but the requirements are not so strict compared with credit loans.
3. Guaranteed loan
If there is a guarantor or a guarantee institution qualified as a guarantor, you can also apply for a secured loan.
Therefore, the borrower must consult in detail in advance when applying, and then choose the loan method suitable for him according to his actual situation to apply for a loan.
The number of applications for 20,000 yuan is not too much, and it is generally easier to obtain. The above three methods can be used as reference, and other methods can also be considered.
Four ways to apply quickly, "loan" can't be thanked!
What are the quick ways to apply for small loans? It refers to the way to provide loans with the amount of more than 1 10,000 yuan and less than 1 10,000 yuan for the vast number of self-employed industrial and commercial households and small workshop owners. So, what are the ways to apply?
Unsecured/credit loan
The amount of personal credit application is the simplest loan method. The general amount of this loan method cannot exceed 654.38+10,000 yuan, with simple procedures and quick operation.
However, the loan interest rate is on the high side, which requires high personal credit information, so the amount that can be applied for is generally not high.
Mortgage loan/securities loan
If applying for mortgage, the application amount shall not exceed 70% of the assessed value of collateral, and the loan period shall be within 10 year.
Collateral can be real estate mortgage or chattel mortgage. Real estate includes land, houses, etc. Movable property can be stocks, government bonds, corporate bonds and other securities recognized by banks, or gold and silver jewelry.
If you want to apply, you can use many things. In addition to certificates of deposit, you can easily obtain personal loans with certificates such as cars, treasury bills and insurance company policies. Among them, 80% of the deposit certificate amount can be loaned, 90% of the national debt denomination can be loaned, and the policy amount issued by the insurance company cannot exceed 80% of the cash value of the policy at that time.
Secured loan
If the applicant can't provide collateral and the loan amount is relatively large, he can find a person with a stable job, stable income and high income as a guarantor and apply for a secured loan. At present, the maximum loan amount obtained by applying for secured loans is 654.38+10,000 yuan.
Therefore, there are several ways to apply. The borrower can choose the appropriate loan method according to his actual situation, and it can also increase the chances of loan success.
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Introduction of personal loan application
Maybe many people think that the loan has nothing to do with themselves. In fact, everyone has a lot of financial behavior, but they don't realize it. Personal loans are also closely related to people's lives. There are many kinds of personal loans, and the loans needed in different situations are different. How to apply for a personal loan, what are the application conditions and procedures? Today I will explain it in detail for everyone!
I. Types of personal loans
Personal loans are classified by product use, including personal housing loans, personal consumption loans and personal business loans; Classified by guarantee methods, including personal credit loans, personal guaranteed loans, personal mortgage loans, personal guaranteed loans, etc.
Second, the basic conditions of personal loans
1. A natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have a local permanent residence or long-term residence certificate and a fixed residence;
3. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
4. Have a good personal credit record.
Third, the basic process of personal loans
1. Define the purpose of the loan and choose the loan type that suits you;
2. Choose a bank and learn about the loan policies, requirements and expected annualized interest rates of each bank;
3. After selecting a bank, prepare various loan materials according to the requirements of the account manager;
4. During the handling period, keep in touch with the account manager at any time to understand the handling situation and cooperate to solve the problem;
5. Sign the loan contract and complete the loan procedures;
6. After the loan is issued and used successfully, it will be repaid in time as agreed.
Four, personal loan application matters needing attention
1. Apply for a loan amount according to your own ability, and keep a reasonable proportion between the monthly repayment amount and the family income;
2. According to your repayment ability and future income expectations, choose the repayment method that suits you and make a repayment plan;
3. Provide true and accurate information to the bank, and notify the bank in time when my address, contact information and other information changes;
4. Read the terms of the contract carefully and understand your rights and obligations;
5. Repay on time to avoid bad credit records and economic losses;
6. Keep the loan contract and IOUs. For secured loans, the guarantee registration shall be cancelled in time after the loan is paid off, and the pledge or right certificate shall be retrieved.
As the saying goes, take precautions and learn about personal loans as soon as possible. When you really need a loan, you won't be at a loss and go around collecting information temporarily. The above introduction of personal loans, I hope to help you.
How to apply? What's the best way?
It is suggested that you can apply for loans through formal banking channels, such as the "Netjet Loan" of Agricultural Bank of China.
Netjet loan refers to a small consumer loan which is granted by China Agricultural Bank in cash to individual customers of China Agricultural Bank who meet certain conditions, and is self-applied, quickly received, automatically approved and self-credited. It is recommended that you apply through formal channels, and don't trust the information of online lending platforms.
The following is the application process through Pocket Banking:
Step 1: Please log in to Pocket Bank and click the "Loan" option on the home page, as shown:
Step 2: Select the "online loan link" product, as shown in the following figure:
Step 3: Enter the NetJet loan introduction page, where the advance loan amount can be displayed, and click Apply Now, as shown below:
Step 4: Enter the application page, select the loan purpose, loan and repayment account (must be Zhang Yin's registered account), confirm personal contact information, check the consent option below, and then select Submit, as shown in the following figure:
Step 5: Select the loan and enter the signing information interface. After confirming that the information is correct, click Next to enter the face-brushing authentication. After the authentication is successful, click Start Authentication to enter the final signing interface, click OK to verify the security tool (KBao or KOrder), and then jump to the signing interface. After signing the contract successfully, you can click "Lending" directly.
Tips: The online loan application time is from 7: 00 to 22: 00 every day, and there will be a maximum limit every day. If it exceeds the limit of the day, the system will prompt that "the limit that can be applied for today has been used up, please apply again the next day", and the limit will be restored at 7:00 the next morning.
From July 25th, 20 19, new online loan customers can apply for loans through personal banking channels or super-counter channels. Personal online banking channel has been suspended, but loan inquiry and repayment can still be handled. For existing customers, personal online banking can inquire and repay, but it cannot lend money. If you need to operate a loan, you must handle it through a personal bank.
The actual loan of ABC is subject to the system approval. If you have any other questions, please consult the local personal loan center.
(Answer time: April 25th, 202 1. In case of business changes, please refer to the actual situation. )