How much loan can a teacher get from a doctor as a guarantor?
Teachers who find doctors as guarantors can borrow10-200,000. The credit card loan amount is generally not more than 10 times of the individual's monthly income, and the maximum is not more than 50 times. The bank loan process is as follows: Step 1: Employees apply for loans from banks and submit relevant materials; Step 2: Bank audit, and after the audit is passed, both parties sign a contract; Step 3: the bank issues loans, and the lender repays the loan principal and interest on time according to the contract; Step 4: Repay on time and have a good credit record.
How do private dentists borrow money from banks?
When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide proof of stable income source: bank flow sheet, labor contract, etc.
3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;
4. Other information stipulated by the bank.
What is the maximum loan amount for Dr. Citi Happy Gardener?
Up to 500,000 yuan; In principle, the maximum amount of credit loans is 300,000 yuan; Guarantee the maximum loan amount of 500,000 yuan; Mortgage can be relaxed appropriately. Citibank Happy Gardener/Doctor Loan is a loan product launched by Citibank for specific groups such as teachers and doctors. Applicants can apply for a loan amount of up to 500,000 yuan and a preferential loan interest rate for various consumer needs such as tourism, study, decoration, etc. as long as they show their teacher or doctor qualification certificates.
At present, Citibank Happy Gardener/Doctor loan is only provided to customers who work and live in Beijing, Shanghai, Guangzhou, Shenzhen or Chongqing. Require a monthly income of more than 4,000 yuan before tax, and require the bank to run smoothly. Eligible ones do not need mortgage and guarantee. The loan application materials required by Citibank include: application form, ID card, proof of residence (bank statement, utility bill, real estate license or household registration book), proof of income (tax payment certificate in the last 3 months or bank running water, etc.). ), teacher qualification certificate or doctor qualification certificate.
At present, the personal interest rate of Citibank is mostly in the range of 1.4~ 1.65%. When making a loan, the bank will adjust the interest rate according to the actual situation of the borrower. Once the loan is issued, the interest rate of the loan term remains unchanged. The loan term is 6 months, 12 months, 24 months, 36 months or 48 months. Citibank Happy Gardener/Doctor loan supports the purchase of various reasonable consumption purposes such as family use, decoration, study and training, wedding banquet, etc. , and relevant use certificates are required before and after lending.
1. Loan object
Teachers in public schools with teacher qualifications should have professional establishment or be treated equally with professional establishment, and teachers in private schools should pay social insurance such as endowment insurance for more than one year according to law.
2. The purpose of the loan
Comprehensive consumer demand such as housing decoration, education, medical care, tourism expenditure, purchase of non-operating vehicles and durable consumer goods.
3. Loan amount
In principle, the maximum amount of credit loans is 300,000 yuan; Guarantee the maximum loan amount of 500,000 yuan; Mortgage can be relaxed appropriately.
4. Term of loan
According to the loan amount, loan purpose, comprehensive repayment ability, etc. In principle, the longest period shall not exceed 5 years.
5. Loan interest rate
"gardener loan" will give preferential interest rate, and the lowest interest rate is 6.96%.
6. Guarantee method
It can be handled by means of "family loan" guaranteed by family members, or by means of credit, guarantee, mortgage and pledge.
7. Repayment method
You can flexibly use methods such as regular interest settlement, repayment of principal at maturity, average capital and equal principal and interest. /kloc-medium and long-term loans over 0/year shall be repaid in installments.
What conditions do gardeners need for loans?
1. Have teaching qualifications, including teachers in public schools, teachers in private schools and non-teachers in public schools;
2. Pay social security for more than one year;
3. Good credit and no bad personal credit record;
4. Have stable income and repayment ability;
5. Meet other requirements of rural credit cooperatives.
Which bank in Shenzhen can lend with a debt of 6.5438+0.3 million?
Minsheng bank. The debt is 654.38+0.3 million, and Shenzhen Minsheng Bank can lend. The approval rate of banks is high, but it cannot exceed two, and it is limited to civil servants, teachers, doctors, executives of listed companies and financial practitioners.
Does Shenzhen Bank of Communications have a policy of giving free loans to medical staff?
Shenzhen Bank of Communications has no free loan quota policy for medical staff at present, but it can provide preferential loan services according to the actual situation of customers.
Does the doctor have a 200,000 interest-free loan?
Yes If the guarantor is a national civil servant or a teacher, doctor and other people with stable jobs, the interest-free loan can reach 200 thousand. Doctor, a person who studies medical science and technology and saves lives by treating diseases, generally refers to a clinician. In accordance with the laws and regulations of the Ministry of Health, the Health and Wellness Commission and the Ministry of Health on medical and health management regulations, preside over doctor-patient communication, academic discussion, new technology promotion, prognosis analysis and public education.
The introduction of Shenzhen doctor loan ends here.