I. Application conditions
1, stable occupation and income, good credit, and the ability to repay the loan principal and interest;
2. There is a purchase contract or agreement;
3. Have the ability to pay the down payment with its own funds according to the proportion required by the bank;
4. Other conditions stipulated by the bank.
Second, the handling process
1. The customer applies to the handling bank and submits relevant materials;
2. The handling bank accepts the application and conducts pre-loan investigation;
3, after the completion of the investigation, according to the examination and approval authority to the competent examination and approval department for examination and approval;
4. Sign a loan contract, improve the guarantee procedures and issue loans;
5. The customer repays the principal and interest according to the repayment method agreed in the contract.
Extended data:
Product characteristics
1. Long-term: the longest loan term is 30 years (inclusive);
2. High amount: the maximum loan amount can reach 80% of the purchased house price;
3. Low cost: banks do not charge fees in the process of handling loans;
4. Flexible repayment method: average principal or equal principal and interest can be used? Payment method;
5. Good service: provide customers with efficient and convenient services such as repayment and factor change.
What are the application conditions for consumer loans of Changsha Bank? How to deal with it?
Application conditions
The consumption loan of Changsha Bank requires stable income, good credit, effective guarantee and a settlement account in Changsha Bank.
(1) A natural person with full capacity for civil conduct;
(2) having a stable economic income and the ability to repay the loan principal and interest on time;
(3) It has a good credit status and no bad credit record;
(4) Being able to provide the guarantee method recognized by the bank;
(5) Open a personal settlement account with our bank.
Treatment process
Changsha Bank's consumer loan process is divided into four steps: customer application-investigation and approval-contract signing-loan issuance.
(1) customer application: the customer applies to our bank and submits relevant materials;
(2) investigation and approval: the account manager investigates the borrower's situation and approves it according to the procedure;
(3) Signing a contract: after approval, the borrower signs a loan contract and a guarantee contract with the handling bank, and goes through the mortgage and pledge registration;
(4) Lending: after the guarantee procedures are completed, the loan will be paid to the borrower's account or transferred to the relevant payee's account according to the borrower's entrustment.
What conditions does Changsha Bank need for a happy second loan?
What conditions does Changsha Bank need for a happy second loan?
The age is between 18-60 years old; Have a certain repayment ability, preferably a stable income and work, and no laborer needs to submit economic proof materials; Personal credit information is good, and there can be no overdue or illegal records in the credit information; Personal debt ratio should not be too high, and the debt ratio should not exceed 50%. However, meeting the loan conditions does not necessarily mean that the loan will pass, and ultimately it will be subject to the bank's audit results.
If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
1. First, you must have a provident fund social security customer to apply, or you can apply for punching in. Customers who have paid for more than two years had better apply for the next payment.
2. Secondly, Happy Second Loan has whitelisted customers' medical insurance cards, salary cards and social security, and it must be a whitelisted customer of Changsha Bank to apply. It is a product open to "whitelisted" customers who meet the access conditions. If local customers in Changsha can directly bring information to local outlets to apply.
Finally, there is the issue of credit report. The requirements of bank loans for credit reporting are still relatively high, especially the recent inquiry records should not be too many and the debt ratio of credit reporting should not be too high. If you apply for more online loans, it is difficult to make the next payment even if your qualifications are good.
"Happy Second Loan of Changsha Bank" is a pure online and pure credit consumer loan product launched by Changsha Bank, which can be recycled.
1. Use the Happy Second Loan of Changsha Bank.
Car purchase, decoration, medical care, tourism, education, wedding, daily consumption, etc.
2. Changsha Bank Happy Second Loan Application Conditions:
/kloc-natural person aged 0/8 to 65;
The actual age of the borrower and the loan application period shall not exceed 70 years;
Have a stable job, a stable income, and the ability to repay the loan principal and interest on time;
Good credit, no bad record, and legal use of the loan;
Other conditions stipulated by the bank.
Third, Changsha Bank Happy Phase II Loan Application Steps
1. Open the online banking app of Changsha Bank (7.8.6) and click "Happy Second Loan" to activate the bank (fill in personal information);
Apply for a loan.
4. Changsha Bank Happy Second Loan Repayment Method
1. Automatic repayment: Ensure that the repayment bank card (the collection bank card selected when borrowing) has enough funds to repay the current principal and interest before the agreed repayment date (2 1) 18:00 every month, and Changsha Bank will automatically deduct the money;
2. You can deposit enough funds into the repayment account at any time, and then click "Happy Second Loan" through online banking to make early repayment (there is no handling fee for early repayment).
5. What is the amount of Happy Seconds Loan?
The limit of a single user does not exceed 300,000 yuan, and the limit is between10-300,000 yuan according to the user's credit, deposit, wealth management and debt.
5. Characteristics of Happy Second Loan of Changsha Bank
1. Jane: pure credit, 0 guarantee, online application;
2. Fast: real-time approval and real-time payment;
3. High: credit line, the maximum loan line can reach 300,000;
4. Province: minimum daily interest rate 1.5 yuan/ten thousand (loan 65438+ ten thousand, interest rate 1.5 yuan/day);
5. Length: one-time credit, valid for three years (a single loan can last up to three years);
6. Convenience: use it and borrow it, pay interest monthly, repay the principal when it is due, and support early repayment.
What are the conditions for Changsha Bank to handle POS loans?
1. It must be a POS merchant with Changsha Bank as the acquiring bank (including a special merchant who has opened the fixed-line payment service of Changsha Bank) and must have a physical store. In principle, POS card readers should be installed or often placed in physical stores for daily transactions;
2. The actual controller of the merchant has full capacity for civil conduct, and neither he nor his family has bad credit records;
3. The merchant's own credit status is good, and there is no historical record of debt evasion;
4. The monthly bill collection amount is not less than 65,438 yuan+0,000 yuan;
5. In principle, the merchant or the actual controller of the merchant needs to have more than three years of industry experience;
6. It takes more than 3 months to collect bills in Changsha Bank;
7. No credit card to send
Behavior and credit card behavior expand bank credit support;
8. Other conditions stipulated by the bank.