How to repay Wanda's loan from the bank

Introduction of credit method and steps of Wanda loan

If you want to apply for a loan in Wanda Loan, you must first open a credit line. Credit is designed for uninvited guests, so if you are uninvited guests, you need to open a credit first and then apply for a loan! Next, I will bring you detailed opening methods and steps. Friends in need come and have a look!

Wanda Loan opens credit process sharing:

Wanda Loan, a mobile APP product launched by Wanda Financial Group. At present, APP has two products, one is universal cash with a loan amount of1-20,000 and a daily interest rate of 0.3-0.4%, and the other is a "home improvement installment" product with a maximum loan amount of 200,000, which has not yet been publicly sold.

Step 1: Download the application.

Wanda Loan is a mobile phone loan app product. Users can enter "Wanda Loan" in the mobile app store to search and find the app.

Step 2: Apply for registration.

There are two products on Wanda Loan. At present, only universal cash is open to the public, and users can get loan quotas.

Step 3: Improve personal information.

Just after registering the account, someone can't wait to open the general cash application quota, but the system will tell you that you are not qualified for the time being.

Don't be discouraged at this time. Adjust the direction, improve personal information and let yourself enter its white list as soon as possible.

First, binding ID cards requires not only filling in the name, ID number and expiration date, but also uploading double-sided photos, which is quite strict;

Second, bind the bank card, bind the bank card that you often use, so as to accept the loan and repay it on time;

Third, fill in the contact information. Personal information includes mobile phone number, address and work unit. In addition, you need to fill in the information of at least one contact.

Step 4: Wait for the invitation qualification.

At present, Wanda Loan adopts the white list invitation system to issue loan quotas. After downloading, it is not eligible to apply, and it can only be opened after receiving the invitation SMS. According to customer service telephone consultation, the answer is: Wanda Finance has its own big data system, and the screening criteria are not convenient to disclose. At the same time, it also rejected the topic of how many public beta users there are at present.

Is there a bank loan at Block C, wanda plaza,No. Huai 'an East Road 12 1, Yuhua District, Shijiazhuang?

Block C, wanda plaza,No. Huai 'an East Road 12 1, Yuhua District, Shijiazhuang, has a bank loan. because

1.No. Huai 'an East Road, Yuhua District, Shijiazhuang 12 1 has a building C in wanda plaza, where there is Yuhua wanda plaza Sub-branch of China Construction Bank.

2. The value of personal houses in Yuhua, Shijiazhuang is relatively high, and the highest value of mortgaged residential commercial houses can be between 80% and 80%.

3, its own funds to farmers, individual industrial and commercial households, small enterprises.

4. The first pilot company established in the provincial capital.

140w How much is the down payment for Wanda Store?

1. If the first set is purchased, the down payment ratio of the commercial loan shall not be less than 30% of the total house price, that is, 140000030%=980000 yuan, and the longest loan period is 30 years; Provident fund loans, the loan ratio can reach 80%, the maximum loan amount is 600 thousand yuan, and the longest loan period is 30 years.

2. If it is the second set of shops, it shall not be less than 50% of the appraised house price, that is to say, the down payment for the house with a total house price of 1 400,000 yuan is 1 400,000,050% = 700,000 yuan; If the provident fund loans the second suite, the maximum loan amount is 600,000.

Down payment is the lowest proportion of down payment according to the national proportion when buying a house. Of course, the payment can be higher than this amount, but not lower than it, and the rest can be borrowed from the bank. Since June 1 day, 2006, the down payment ratio of individual housing mortgage loan shall not be less than 30%.

Financing channels of Wanda Group

1. Bank funds Wanda Group relies more on the use of bank funds. From the analysis of Wanda's development projects, the loan types include: land mortgage loan. Development loan. Asset mortgage loan. Capital loan. Use lease mortgage loans and bank loans in different places. Wanda Group maintains good relations with domestic banks. Deep cooperation. The Financial Department of the Financial Management Department of the Central Bank also listed Wanda as a national pilot enterprise for real estate financial reform and enjoyed the "green loan" channel. You don't need to approve a single loan within 500 million yuan, you can approve it in two or three days. This kind of financial recognition and support is unique in China's real estate industry. Wanda has cooperated with Bank of China alone. China Construction Bank. China Agricultural Bank has signed the agreement of "General to General Letter of Credit". The so-called "total-to-total credit" means that commercial banks sign credit agreements with enterprises. After the signing of the agreement, enterprises will no longer need to perform the existing credit approval procedures step by step for loans in branches of commercial banks. Wanda was the first enterprise in China to try to operate mortgage loan in 2002. In 2003, the bank launched mortgage loan business with banks such as Bank of East Asia. Wanda was passive at that time. At that time, domestic banks refused to lend By the end of 2005, the four major state-owned banks had started this business. As collateral, asset appraisal is suitable for the traditional development mode, that is, project development, and the source of repayment depends on the card method. Different from lease mortgage, this mortgage can only use rent as the sole source of repayment, and the loan period is as long as five years. Ten years. Leased assets of the project. Safety assessment. The evaluation of tenants is far greater than the evaluation of assets. Wanda has made lease mortgage loans for five or six projects, and the model is basically based on the total rent. The amount of mortgage loan is about 70% of the total rent and 70% of the total investment of the project. 2. Domestic private placement has always been the darling of private placement. On the one hand, although it has not yet been listed, Wanda's business model has always been praised by the industry; On the other hand, it is because of Wang Jianlin's huge hidden assets and good government contacts. At present, there are two known private placements: ① 24% equity transfer of nine commercial properties completed with Macquarie in 2005, involving funds as high as 2.3 billion yuan. ② Cooperate with the initial public listing of A shares and CCB International to complete the private placement of shares. At the time of the initial private placement, Wanda and CCB International did not disclose the fund-raising situation, but when it was the turn of the second private placement, Wanda's private placement price was as high as 17 yuan per share. "CCB International achieved rich returns in only half a year, and the second private placement actively participated again, increasing its holdings by 1%". 3. Overseas financing channels have never given up China Real Estate Market Trust (REITS). The return period of commercial real estate investment in the form of self-owned lease is too long, which is a typical industry that precipitates funds. Therefore, it has always been the ambition of Wanda founder Wang Jianlin to operate commercial real estate through REITS. On the one hand, REITS can resolve the financial risks implied by a single bank loan, on the other hand, they can also allow private capital to share the long-term stable income brought by the development of domestic shopping centers and raise a lot of funds, which is more suitable for the long-term development of real estate projects. This is also a very desirable financing model. In terms of financing channels in the securities market and overseas financing channels, Wanda's exploration has not yet made a substantial breakthrough. After completing the private placement with Macquarie in 2005, the Hong Kong REITS prepared in 2006 finally lost, but Wanda never gave up its efforts to realize REITS. 4. Sales rebate supports cash flow. The bad result of the first-generation products being sold in shops is that Wanda has adjusted the strategy of "only renting and not selling" on the second-generation products. But this real "just rent and not sell" only lasted for a short time. In Wanda's third-generation products, the proportion of sales has increased significantly. For the sales refund part of the urban complex, Wanda has positioned itself as a "lifeline" and promoted itself to the height of "long-term development strategy support". 5. When trust financing started in 2009, the comprehensive cost of domestic trust financing was generally around 12%, which was much higher than Wanda's previous financing cost of 7%-8%. But from 20 1 1, Wanda got its hands on trust financing. Among the re-established 1 1 trust products, 10 was only established in 20 1 1 and only in 20 1 65448. In Wanda's trust products, most of them are equity trusts, and some disclose that the trust scale is 500 million-10.50 billion, and the funds raised by10 trust products * * * are about 7.8 billion yuan. Through the professional management and diversified investment portfolio of trust companies, the risk of Wanda Group's real estate investment has been effectively reduced and a high return on investment has been achieved. 6. Specialized Bank Funding Channels The Financial Department of the Central Bank's Financial Management Department listed Wanda as a national pilot enterprise for real estate financial reform, and only two of all real estate enterprises in the country have this honor. The head offices of three of the four major state-owned banks have given Wanda huge credit lines. China Industrial and Commercial Bank China Bank Head Office. China Agricultural Bank signed a bank-enterprise agreement with Wanda. As a pilot enterprise of national real estate financial reform, the actual effect of the support given by the highest authority of financial management is very remarkable, and loans can be made in different places without geographical restrictions. At the same time, the pilot enterprises also have a specially authorized "green channel", and a single loan can be approved within 500 million days without approval. This kind of financial approval and support is unique in the domestic real estate industry. 7. Vigorously develop asset mortgage loans and lease mortgage loans. Asset mortgage loan is an obvious phenomenon in Wanda's completed projects. For example, Beijing CBD Wanda and Shijingshan Wanda both use mortgage loans to revitalize their funds.

Excerpted from 123 library (123tsg.com)

Where can I borrow 50,000 cents for 36 installments?

There are three formal platforms that can borrow 50,000 yuan for 36 issues:

1, e loan E-loan is an online personal consumption credit loan under China Merchants Bank. In fact, it is essentially a credit loan of China Merchants Bank Credit Card. If you occupy the credit card limit, you can shop or withdraw cash. To apply for e-loan, users need to hold a credit card of China Merchants Bank. E The maximum loan application amount is 300,000 yuan, and the longest installment time is 36. E-loan loan supports loan repayment and is separated from credit card bill in monthly repayment. Lenders can choose to repay in e-loan account, or they can choose to repay in mobile banking, pocket life and other places.

2. Long-term loans. Good-term loan is a personal micro-credit loan product under Zhaolian Consumer Finance. Lenders can apply for a good term loan of up to 60 months, that is, 5 years, with a maximum amount of 200,000 yuan. It should be noted that if you want to apply for a good term loan, the lender's sesame credit score should not be lower than 600, otherwise it will be difficult to apply successfully.

3. Wanda loan. Wanda Loan is a small and micro loan of Wanda Internet Credit Company, mainly for small and medium-sized enterprises and individual consumers. Not all users can become users of Wanda Loan, because Wanda Loan adopts a white list system and needs an invitation from Wanda Loan to register successfully. Wanda loan can be applied for up to 200,000 yuan, and the longest repayment period is 5 years.

Operating environment: iphone11IOs15.0e loan loan V5.5.7

Good Loan V6. 1. 1 Wanda Loan V2.7.8

Conditions for going to the bank for loan: Different conditions are required according to different loan types. Details are as follows.

1, personal credit loan. Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.

2. Housing mortgage loan. Generally speaking, in addition to the strong requirements for the lender's income and credit, the service life of the house should be within 20 years and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

3. College students' entrepreneurial loans. Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

4. Self-employed loans. Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

5. Housing mortgage loan. Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.