Question 1: Pledged loan of wealth management products. Online banking lists the pledge of national debt that customers can choose, but it is grayed out when customers choose.
A: As an online pledge, electronic government bonds can only be operated within the allowed trading hours, and the trading hours are displayed in the "Select Pledge" interface of online banking.
Question 2: When customers apply for quick loans, the page shows that they have not obtained the quick loan quota after entering provinces and cities.
A: If there is no quick loan quota, it means that the customer's financial assets and stock mortgage in CCB do not meet the requirements for applying for quick loans. The mortgage demand has been returned for a certain period of time and has not been settled. Financial assets must meet the access standards set by the model every month for a period of time.
Question 3: A customer's fixed deposit in a fixed-term all-in-one account cannot be mortgaged.
A: The pledge that can apply for a pledge loan should be a wealth management card or a time deposit in a dragon card cartoon. The deposit in the customer's time all-in-one account does not meet the pledge loan conditions, and it will be filtered in the online banking and cannot be displayed when applying for the pledge loan.
Question 4: Mobile banking is semi-bound, and it is not allowed to apply for loans quickly.
Answer: Go back to the home page of mobile banking, check the master binding device in "More-Settings-Security Center-Manage Binding Devices" and retrieve the master binding mobile phone login. After logging in, a pop-up box will prompt whether to confirm the change of the binding device. Click "Confirm Change" at this time.
What are the general questions about loans and what questions will customers ask?
The general problem of loans is:
Personal loans, although many banks and financial institutions provide different loan products at present, as long as they are personal loans, they can be classified according to the guarantee conditions and loan purposes.
1. Guarantee conditions: it can be divided into credit loans and secured loans.
1. Credit loan is a kind of loan based on the lender's personal credit without mortgage guarantee, like many online loans in the market, such as, borrowing money, recruiting a good term loan, and bank credit loans, such as e-lease loan and e-finance loan.
2. Secured loans can be divided into mortgage loans, mortgage loans and portfolio secured loans, and certain assets are needed as collateral or guarantor.
Second, the common uses of loans are personal housing loans, personal business loans and personal consumption loans, as well as some agricultural loans and national student loans.
1. Personal housing loans: These loans are all offered by banks, including commercial loans, provident fund loans and portfolio loans. If subdivided, it can also be divided into primary housing loans and secondary housing loans.
2. Personal business loans: generally used for individual businesses, such as business owners, corporate legal persons and self-employed individuals. Can apply;
3. Personal consumption loans: There are many types, such as car purchase loans and decoration loans. Because these loans are earmarked, proof of loan use is required.
Questions that customers usually ask;
1; "Is your loan legal?"
2; "Are you interested?"
3; "What are the terms of your loan?"
4; "How much can I borrow in my present situation?"
5; "Why didn't my order pass?"
6; "What if I can't repay on time?"
7; "Do you have any difficulty in getting a loan? . "
8; "Is there a longer loan?"
9; "Is your repayment period flexible?"
10; "Pay liquidated damages in advance?"
1 1; "installment repayment, can it be settled in one lump sum?"
12; "Can I still get a loan if I have a loan in the bank?"
13; "Will others know about the loan?"
14; "Can an enterprise get a loan without a license?"
These are usually questions that customers often ask.
What are the common problems with personal loans?
In the process of lending, people will always encounter such common problems that cannot be solved. Today, I have summarized some common problems in common loan models, which you can have a look at.
1. What is two mortgage?
A: The so-called secondary mortgage refers to the property that has been mortgaged to obtain loans, and the part whose market value is greater than the balance of mortgage debt can be mortgaged again.
For example, for a property valued at 4 million yuan, banks often only handle mortgage loans at 65% of the value, and the value of 6.5438+0.4 million yuan is regarded as idle. Some private enterprises eager to expand financing can use the surplus value of real estate as collateral, that is, secondary mortgage.
2. Can a used car apply for a personal car loan?
A:
It is understood that the second-hand car consumer credit business has been opened in several cities. I suggest you go to your local bank to find out if there is such business. If there is, it will be easy. The process of automobile consumption loan is as follows:
1. Consult the handling bank or dealer.
2. Sign a car purchase contract with the dealer.
3. Apply for a loan from the bank and provide information, and the borrower pays the down payment.
4. After reviewing the materials provided by the lender, sign a contract with the borrower.
5. The dealer assists the borrower to complete the vehicle registration procedures, and then issues the loan, which will be transferred to the dealer's account and the borrower will pick up the car.
6. There is no essential difference between the borrower's monthly repayment of principal and interest and the credit business of a new car. I suggest you consult more.
3. How do unemployed people apply for business loans?
A: Applicants for venture loans need to meet the following conditions:
1. Age 18 and below 60;
2. Have entrepreneurial ability and entrepreneurial projects, have a stable business place, and engage in self-employment or aquaculture;
3. Laid-off workers and other people with insufficient self-financing can apply.
Under normal circumstances, laid-off workers apply for business loans without mortgage guarantee, and the maximum personal loans are no more than 20,000 yuan (specifically related to the loan location and application bank), and the loan period is no more than 2 years. In addition, the expected annualized interest rate of laid-off re-employment entrepreneurial loans is subject to the expected annualized interest rate of loans of the same grade in the same period stipulated by the People's Bank of China. For those engaged in low-profit projects, the central government will give full discount according to the facts.
4. What application materials should I provide to apply for a decoration loan?
Answer: You only need to provide the second-generation ID card, work certificate, income certificate, residence certificate and renovation contract. If renovation contract cannot be provided for the time being, you can also sign a "loan purpose commitment letter", stating that the loan will be used for decoration.
5. Can second-hand houses get mortgage loans?
A: Generally, you need to prepare the second-generation ID card, residence certificate, business income certificate, business place certificate, business license and enterprise industrial and commercial registration information. The specific materials shall be subject to the notice of the loan manager.
What does the enterprise loan interview ask? Summary of five core issues that must be seen before lending!
At present, when enterprises apply for loans from banks, financial institutions or loan companies, they will basically go through the interview process, and many legal persons will be at a loss. In order to help enterprises improve the success rate of applying for loans, the following are five core questions in the interview. Let's know in advance.
I. Introduction of Legal Representative and Company
1. Because the legal person lends money on behalf of the company, it will ask the name, working hours, major shareholders, shareholders' shares, financial controller, etc.
2. Company introduction. Nature of the company (limited liability company, sole proprietorship enterprise, partnership enterprise), registered capital of the company, main business, industry status, main suppliers and customers, main contracts, and existence of laws.
Second, repayment ability.
Individuals and enterprises must have sufficient repayment ability, and bank interviews will also focus on these contents.
The main problems are: the main source of repayment funds, the second source of funds, cash flow, income, profit, total capital and guarantor.
Three. hostage
General corporate loans can only be handled by providing collateral, but some credit or other types of collateral are not needed, and no questions about collateral will be asked during the interview.
With these questions about collateral, what collateral can be provided, where it is, whether it is easy to be damaged, what authority is needed to use collateral, how to evaluate its value, and whether personal assets are used as collateral.
Fourth, the relationship between customers and banks.
Many banks require enterprises to open settlement accounts in their own banks and have certain business dealings, so the success rate of loans will be higher, so they will simply ask some relevant contents.
Common questions include which banks the company has business dealings with now, which banks it has applied for loans from, why it chose this bank, whether it has outstanding loans, and the amount and duration of the loans.
Verb (abbreviation for verb) loan requirement
During the interview, the loan officer will ask you about your loan requirements carefully. The loan amount and term of some enterprises do not match their qualifications, and the loan officer will suggest a more suitable scope, which can help enterprises improve the success rate of applying for loans.
The problems involved are: how much to borrow, how to calculate this value, what will be the future loan demand, and what is the purpose of the loan.
In short, the interview is a necessary process before applying for a corporate loan. Credit officers are experienced and know the loan products very well, so we should actively communicate with them and formulate the most suitable loan for them.
The introduction of common problems of loan customers ends here.