Guangzhou unsecured personal loan

Which personal loan company in Guangzhou first promoted these companies?

Now, there are many personal loan companies all over the country, and Guangzhou is no exception. With more and more companies to choose from, which one to choose for personal loan companies in Guangzhou is a concern of Guangzhou citizens. Today, I will introduce several good loan companies in Guangzhou.

Yuexiu financial holding

Yuexiu Financial Holdings has a strong background. Its shareholders are five well-known state-owned enterprises in Guangzhou, including Guangzhou Yuexiu Financial Holding Group and Guangzhou Light Industry and Trade Group. It is one of the top 100 invited enterprises in China with a registered capital of 300 million yuan. The company's main products include Yue Le loan, factoring loan, consumer money, employee money and so on, which can meet the loan demand of almost all users.

Hai Yin Yuexiu Hotel

Yuexiu Hai Yin was initiated by Hai Yin Group with a registered capital of 1 100 million yuan, which is dedicated to serving small and medium-sized enterprises and individual industrial and commercial households in Yuexiu District, Guangzhou. The company's products include Hai Yin commercial credit loan, Hai Yin mortgage loan and Hai Yin emergency loan, which can meet the needs of all small and medium-sized enterprises.

Guangjian

Guangjian is one of the first state-owned personal loan companies in Guangdong Province. The company's main products are fast mortgage loans of more than 500,000 yuan and unsecured credit loans of less than 500,000 yuan. There are five kinds of fast mortgage loans: fast mortgage loans, two mortgage, goods mortgage loans, engineering loans and housing loans. There are five types of unsecured credit loans: emergency relief, credit funds, commercial loans, property loans and wage loans.

Long live Huadu

Huadu Wansui is an established Guangzhou personal loan company, which was established in 2009 and has been 8 years now. The company is committed to serving small and medium-sized enterprises, individual industrial and commercial households and "agriculture, countryside and farmers" in Guangzhou. Huadu is rich in long-lived loan products, including salary loans for office workers, loans for small and medium-sized enterprises, and convenient business loans for individual industrial and commercial households. The interest rate is low, ranging from thousands to millions.

What aspects should I pay attention to when applying in Guangzhou?

Many friends regard Guangzhou as the first choice to fight for the city, and the price in Guangzhou is relatively high, which makes us sometimes face financial pressure. Therefore, when we encounter financial pressure in Guangzhou, the first thing we may think of is to apply for a loan, but as a family without a house or a car, the best way is to apply. So what are the main aspects of applying in Guangzhou?

(1) Borrower's personal credit record

The application does not require the borrower to provide collateral, so the borrower's personal credit record has become the focus of attention of lending institutions. In fact, to a certain extent, no matter what type of loan the borrower applies for, the lending institution will pay attention to the borrower's credit record. If the borrower's credit report shows that the borrower is seriously overdue, it is difficult for the borrower to apply, and the lender may directly refuse to lend. The borrower has been overdue for more than three times, or

(2) The work and income of the borrower

In order to control the loan risk, lending institutions also pay more attention to the personal work and income of borrowers. Generally speaking, if the borrower is an employee of a large state-owned enterprise, a civil servant or a university teacher, he is still popular when applying for a loan, and his job nature is relatively stable. The borrower's personal income is an important factor to judge the borrower's repayment ability. The higher the borrower's income, the stronger the repayment ability, and the easier it is to get a loan.

(3) Personal liabilities of the borrower

If the borrower has his own debt, he can also apply for a mortgage loan, but it will affect the loan amount to a certain extent, because the lending institution will consider the borrower's repayment ability. Therefore, the loan amount may be slightly reduced, but I would like to remind you that if the borrower has certain liabilities, the total amount of the new loan and the original loan should be less than 50% of the borrower's monthly income after tax.

Who do you like better, the two major products in Guangzhou?

The concept of early consumption is gradually accepted by everyone, and the ways of lending are becoming more and more diversified, which makes people see things in a blur. Many friends living in Guangzhou prefer products, and borrowers are more concerned about the expected annualized interest rate and a series of conditions needed for loans when applying for loans. So today we are going to introduce two major products in Guangzhou. I wonder who you like better.

(1) Bank of Guangzhou-personal consumption loan

The personal consumption loan of Guangzhou Bank requires the borrower to engage in a high-quality industry or occupation, with a pre-tax salary of 5,000 yuan. The loan needs to provide proof that he or a third person owns a local property in Guangzhou. The age of borrowers is slightly different. If the borrower is male, the age needs to be 25-60 years old; If the borrower is female, the age needs to be 25-55 years old, and the loan term is divided into 1 year, 2 years or 3 years. According to the nature of the borrower's work, the monthly management fee fluctuates between the two, and the loan time is faster.

(2) Industrial Bank-Walking with Xing

I believe many friends know what the group tour of Industrial Bank is for, mainly to serve friends who love traveling but can't get the funds for the time being. It can support tour group fees or domestic and foreign consumption expenditures, and users can get up to 300,000 yuan of tourism funds. The borrower is required to be 18-60 years old with a minimum pre-tax salary of 5,000 yuan. The key is to have a local property of not less than 50 square meters or a high-quality industry.

It should be noted that the expected annualized interest rate of Industrial Bank will be different according to the loan term applied by the borrower. If the loan term applied by the borrower is 65,438+0 years, the expected annualized interest rate of the current month is 2 years or 3 years after the borrower applies, and the expected annualized interest rate of the current month is the repayment method of paying interest regularly and repaying the principal when it is due. If the borrower wants to ask for repayment, it is ok, but the remaining principal needs to pay liquidated damages.

I feel that no matter what kind of loan product you apply for, you need to consider it in combination with your actual situation. Often can't follow the trend.

What should I pay attention to when handling online in Guangzhou?

Everyone has gradually accepted the concept of consumption in advance, and everyone's awareness of loans is getting higher and higher. With the continuous development of economy and network, friends living in Guangzhou can apply online. Friends who work hard in Guangzhou may not have a house or a car and cannot apply for a mortgage loan. Considering that there is no need to provide collateral, everyone still prefers this loan method. So what should I pay attention to when applying online in Guangzhou?

(1) Online application focuses on the borrower's personal credit, the borrower's work and income, and the borrower's repayment ability can be judged by the borrower's income, thus avoiding risks reasonably. Online information is large and complex, so borrowers must be careful.

(2) To apply online, we must first have a detailed understanding of the loan website. It should be noted that before the loan is successfully decentralized, the borrower shall not pay the fee in any way or for any reason;

(3) When applying online, the lending institution will take the initiative to ask the borrower to provide my identity certificate, detailed bank statement for more than half a year and personal credit report of the borrower.

If you encounter a situation claiming that you can only apply for an ID card online, the borrower needs to be careful and beware of being cheated. When handling online, the borrower must choose a formal lending institution to avoid being cheated.

If you want to choose unsecured credit loans in Guangzhou, choose these ones.

As one of the most developed cities in China, Guangzhou has a high standard of living. In this context, unsecured credit loans in Guangzhou have also developed rapidly. Today, I will introduce some credit loan platforms in Guangzhou to my friends in Guangzhou.

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Long live Guangzhou Huadu.

Guangzhou Huadu Wansui provides various personal credit loans to borrowers in Guangzhou. For example, wage loans provide loans of 500,000-500,000 yuan to people with stable wage income for a period of 24 months at the longest and 3 months at the shortest. The procedures are simple, the audit speed is fast, and the repayment method is flexible.

Lide guarantee

Lide Guarantee is a credit company that provides credit loans, mortgage loans, social security loans and provident fund loans. The company provides unsecured credit loans to wage earners with good credit information and stable income, with the maximum amount of 6,543.8+0,000 yuan, the longest five years and the shortest six months, and the monthly interest rate is 0.3%-0.95%.

Guangjian

Guangjian is one of the unsecured credit loan companies in Guangzhou, and the initiator is Guangzhou Construction Engineering Group. The company provides borrowers with loans ranging from a minimum of 3,000 yuan to a maximum of10.5 million yuan. The term is the shortest quarter and the longest year, and the interest rate depends on individual circumstances. The borrower must be at least 20 years old but not more than 60 years old, and have been engaged in local business in Guangzhou for more than half a year.

It is a loan platform that provides services for borrowers all over the country. Relying on the Internet, we will provide efficient and convenient services for every friend in need. As long as you fill in the basic personal information online and provide the corresponding information, you can easily get a loan.

Henglong loan

As a local small loan company in Guangzhou, Hang Lung Loan provides local wage earners with a maximum loan of 200,000 yuan, with an annual interest rate of 15%, the longest term of one year and the fastest loan completion of 1 minute. It is a good choice for a friend to apply for an unsecured credit loan in Guangzhou.

So much for the introduction of unsecured personal loans in Guangzhou.