Where can I get a loan in Shanghai?

Bank loans in Shanghai include credit loans, personal pledge consumer loans, personal housing loans, personal business loans, and affordable housing loans in Shanghai.

1. Credit loans: Credit loans refer to RMB loans that banks lend to eligible lenders in the form of credit for reasonable consumption.

2. Personal Pledged Consumer Loan: refers to the RMB loan granted by the lender in Shanghai Bank, which is secured by the maturity certificate-type national debt.

3. Personal housing loans: Personal housing loans are divided into personal housing commercial loans and personal housing portfolio loans.

4. Personal business loans: commercial residential mortgage loan products mainly used for the daily production and operation of enterprises.

5. Shanghai affordable housing loans: Shanghai affordable housing loans can be divided into affordable housing provident fund loans, commercial loans or portfolio loans.

Which banks can do the second mortgage of real estate?

Second, all the banks you visit, such as Minsheng, China Merchants Bank, Zheshang, Chouzhou and Ningbo Shang Tong Bank, can. Only one mortgage is a bank mortgage. Every family has different requirements. In addition to banks, there are some large institutions that trust companies can also handle. The interest rate is comparable to that of banks.

The process of mortgage housing is divided into two mortgage:

1. With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a house purchase contract or letter of intent.

2. Apply for a loan from the bank and submit relevant materials.

3. After investigating and verifying the borrower's credit status, the bank shall notify the borrower of the review results. The bank agrees to sign contracts with borrowers and guarantors, and agrees to sign supplementary contracts for housing mortgage loans with sellers. The loan amount paid by the seller is enough to repay the difference between the seller's interest and the loan principal and interest.

4. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller.

5. After obtaining the property right certificate of land and house, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank.

Where can a Shanghai self-employed person get a loan? These are all agreed!

Many friends are running their own small businesses, and it is inevitable that they will encounter difficulties. Applying for a loan is often the best solution. Then, where is the Shanghai self-employed loan better? There are so many lending institutions and products are dazzling. Here are a few that everyone says are good. Let's take a look!

Ping an bank xinyidai

Application conditions:

1, the age requirement is 23-55 years old;

2. The local work unit has been full 12 months;

3, continuous payment of local provident fund for more than 24 months, personal monthly payment of more than 660 yuan;

4. Temporarily not accepting applications from people in Ningde and Zhouning areas of Fujian;

5. Temporarily not accepting applications from wood, stone and steel beauty salons;

6, good credit, overdue for no more than 90 days, temporarily do not accept the application of credit blank personnel.

Loan term: 12-48 months.

Monthly loan interest rate: 1. 1%

Take the loan of 6,543,800 yuan with a term of 654.38+ 02 months as an example, the total interest is 7,300 yuan, and the monthly payment is 894. 1 yuan.

Yi Xin pu hui elite Dai

Application conditions:

1, aged 22 to 59.

2, wage earners or freelancers, living in this city for more than 6 months.

3, the average monthly income of more than 3000 yuan.

4, social security or provident fund, and continuous payment time of more than 6 months.

5. The record is good and not overdue, or overdue in the last 3 months or the last 6 months, or overdue in the last 65,438+0 years or overdue in the last 2 years.

Loan term: 12-36 months.

Monthly loan interest rate: 1.89%

Take the loan of 6,543,800 yuan and the term of 6,543,800 months as an example, the total interest is 23,500 yuan, and the monthly payment is 6,543,800 yuan.

Long-term consumer loan of China Bank

Application conditions:

1, the age requirement is 22-60 years old;

2. The full amount of the commercial house under my name is required to be no more than 25 years, and the house valuation is more than 6,543,800+5,000.

3. The mortgaged property is located in Shanghai (excluding Jinshan and Chongming);

4, good credit record, overdue for no more than 90 days, accept the application of white households.

Loan term: the longest 10 year.

Monthly loan interest rate: a one-time handling fee of 1% will be charged, and the interest rate will rise by 20% according to the benchmark interest rate.

Take the loan with a term of 654.38+02 months as an example, the total interest is 3,900 yuan and the monthly payment is 857,654.38+ 0 yuan.

Want to know more about "self-employed loans", click on the wonderful topic to surprise you immediately!

Is Shanghai Loan Company Reliable? What are the formal loan companies in Shanghai?

Shanghai, a big city, has a very developed economy, so the demand for funds will be even greater. Relatively speaking, the demand for loans has also increased. So, are the loan companies in Shanghai reliable? What are the regular loan companies?

Its formal Shanghai loan company is absolutely reliable. Formal Shanghai loan companies are permitted by law, and the conditions for the establishment of non-bank financial institutions approved by the industrial and commercial departments are also very harsh. Therefore, there are still relatively few formal companies.

But in Shanghai, many swindlers cheat under the banner of the company, which makes people suffer. To judge the authenticity of a loan company, we need to start with its business qualifications.

What are the loan companies in Shanghai?

1, Shanghai Atlantis Financial Services Co., Ltd. This is a formal and reliable financial services company with a national license and a highly specialized business team. Compared with other small loan companies, the credit loan amount is also higher and the lending speed is very fast.

2. Shanghai Qian Sheng Loan Company. The company is a financial service company, providing loan guarantee and other loan guarantee services. If you want to apply for personal consumption loans or credit loans, you can find this company, which is headquartered in Pudong, Shanghai.

3. Shanghai and Hongkong Bank. Open a company to handle personal loans and corporate loans. The amount of personal loans is between 1 0,000-300,000, with annual interest rate of 10% and monthly interest rate of 1%. The loan amount of enterprise loans is between 654.38+ ten thousand and 654.38+ten thousand, and the monthly interest rate is 654.38+0%.

4. Shanghai Pudong New Area Changjiang Dingli Co., Ltd. is a new rural quasi-financial institution initiated by private capital with the approval of the Financial Office and according to the Guiding Opinions of the China Banking Regulatory Commission and the People's Bank of China on Company Pilot. The registered capital of the company is 1 100 million yuan.

Where can I get a quick loan in Shanghai?

I suggest you choose formal channels to apply for loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply.

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.

4. There are two ways to apply for a loan within the lightning loan limit:

(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.

(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.