Suitable for people: migrant workers with normal income.
Application conditions: 1. Living and working in Guangzhou (including Panyu, Huadu, Zengcheng and Conghua)
2. Age: 18~55 years old
3. Pay more than 4,000 yuan (pre-tax income/after-tax income+provident fund)
4. Personal credit record is good
Uses: Personal consumption (house purchase, study, hiking, wedding banquet, house decoration, car purchase, etc. )
Interest rate: 1. For ordinary customers, the monthly interest rate is 9.5% (95 yuan per ten thousand yuan).
2. Teachers, doctors, civil servants, employees of bank cooperative enterprises, the monthly interest is 7% 7 (77 yuan per 10,000 yuan per month).
Loan amount: 6~8 times of monthly income.
Loan term: 6 months, 1 year, 2 years, 3 years and 4 years.
Loan amount:1~ 500,000 yuan.
Application materials: 1. identity card
2. Proof of residence (provide one of the following)
(1) Guangzhou Hukou Book
(2) Guangzhou real estate license
(3) One of the water, electricity and gas bills in the last three months (including one month) (my name is not required)
(4) Credit card bills for the last three months (address is required)
3. The income certificate is used to pay the salary for nearly three months (for example, the sales position must be provided for more than half a year). Online banking transfer requires income certificate or tax bill as supporting documents.
Special people (teachers, doctors) can provide the highest monthly income in the last six months as the average income of customers, but they need to provide teacher/doctor qualification certificate and teacher/doctor grade certificate as proof.
Note that only copies of the approved materials are needed, but the originals need to be brought to the bank to witness the originals.
Loan process: It takes about 2-3 working days for the customer to prepare the materials first-apply to the bank-the bank approves it (2 working days)-and then go to the bank to loan the contract-and make a loan on the signing day or the next day. (Qualified customers can enjoy one-hour approval)
The examination and approval time is fast, the quota is high, and the interest is low, which gives you better service than your peers.