1. To apply for personal consumption loan from China Bank, you must meet the following basic conditions:
(1) A natural person who has reached the age of 18 and has full capacity for civil conduct;
(2) People's Republic of China (PRC) citizens, including Hong Kong, Macao and Taiwan residents who have worked continuously in People's Republic of China (PRC) for 1 year or more, hold valid identity documents that meet the regulatory requirements, and have a fixed residence in China. Hong Kong, Macao and Taiwan residents should own their own property at the place where the loan is applied;
(3) It has a continuous and stable source of income and has the ability and willingness to repay the loan principal and interest on schedule;
(4) The credit status is good, and there is no bad credit record in China banks and peers;
(5) To apply for personal mortgage consumer loans from China Bank, collateral recognized by China Bank shall also be provided as loan guarantee;
(6) Before handling personal consumption loans, you need to open a deposit account with BOC;
(seven) other conditions stipulated by laws, regulations, regulatory agencies and agencies.
2. Those who apply for unsecured personal consumption loans should also belong to the following customer groups:
(1) Employees with relatively stable wages or labor income. Mainly for official employees of state organs and key enterprises and institutions; Professional and technical personnel, such as lawyers and certified public accountants. In principle, the borrower's work experience should be 6 months or more.
(2) Self-employed individuals with a continuous and stable source of operating income (with an operating life of 2 years or more).
(3) Personal high-end customers, including BOC wealth management customers, BOC wealth management customers and private banking customers of Bank of China.
Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call +86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
Three ways of personal consumption loan
Personal consumption loans are being accepted by more and more people, especially young people, who can realize their wishes through personal consumption loans. So what are the ways to apply for personal consumption loans now?
1, bank
Banks are the way most people apply for consumer loans. Banks can generally apply for consumer loans for decoration, car purchase, study abroad, and purchase of large consumer goods.
2. Consumer finance companies
Consumer finance companies refer to non-bank financial institutions that provide loans for the purpose of consumption for Chinese residents. Consumer finance companies can provide loans for personal consumption expenses such as home appliances, tourism, wedding, education and decoration, but they cannot provide housing loans;
3. credit card installment payment
At present, credit cards basically have installment function, and individuals can apply for installment repayment after spending by credit card.
Handling process of personal consumption loans of banks or consumer finance companies:
(1) The borrower shall fill in the application form at the loan handling outlet with the information required by the lender (generally including ID card, real estate license, marriage certificate, etc.). ), the bank conducts qualification examination on the borrower to confirm whether the borrower meets the application conditions;
(2) After the application is approved, sign a loan contract with the bank or consumer finance company;
(3) The borrower can draw the loan at any time within the validity period and amount agreed in this contract.
(4) After the loan expires, the borrower shall repay the loan principal and interest as agreed. After paying off the principal and interest, the loan contract is automatically terminated.
4. Advantages and disadvantages of three ways of personal consumption loans.
Banks have higher requirements for borrowers' qualifications, complicated procedures, strict approval of quotas, and generally lower quotas. However, the interest rate of consumer loans provided by banks is low, there is no fraud, and there is no need to worry about falling into the pit of usury;
Consumer finance companies have lower requirements for borrowers' qualifications, higher loan quotas and, of course, higher interest rates. In addition, consumer finance companies in the market are mixed, and some also lend usury in the name of consumer loans. Borrowers need to be carefully screened to avoid falling into the pit of usury;
Credit card installment is the simplest way of consumer loans. You can apply for installment repayment after swiping your card. However, the interest rate of credit card installment is slightly higher than that of bank consumer loans, and there may be other fees such as handling fees.
How to apply for a consumer loan
Consumer loans need to be judged. Borrowers who want to apply for this loan can choose the most suitable bank according to the above characteristics and their own actual situation. So how to borrow consumer loans? Next, I will improve my posture for everyone.
How to borrow consumer loans? The specific steps are as follows:
1. The borrower submits Shen Mengchun's application materials;
2. The handling bank conducts preliminary examination on the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower;
3, through the preliminary examination and credit investigation, in line with the loan approval conditions;
4. After the approval, notify Diglia Borrower to handle relevant procedures such as contract signing, loan issuance, mortgage or pledge;
If it fails to pass the examination and approval, it shall explain to the borrower; After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.
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