Hainan social security e loan application requirements?

A. Hainan social security e loan application requirements?

Social security loan application requirements:

Because the payment of social security is mandatory, so the employed people basically pay a certain amount of fees as required. This does not mean that all employed people who have paid social security can apply for a social security loan. Like other credit-based personal loan products, social security loans are unsecured and unguaranteed, but certain conditions must be met in order to apply.

Generally speaking, the conditions for applying for a social security loan are:

1. The borrower is 18-60 years old;

2. The borrower has a good credit record;

3. The borrower has a stable job, income, and the corresponding repayment ability;

4. The borrower meets the lender's social security requirements, which are usually the number of years and the number of base payments, such as consecutive years and the number of years. Payment base, for example, more than 6 months of continuous payment, the payment base is more than 3,000 yuan;

5. Other conditions specified by the lending institution.

How to get a social security loan:

Borrowers who are eligible for a social security loan can prepare the relevant documents and apply for a loan from the lender. The specific loan steps are:

1. Go to the lending institution, consult the social security loan matters;

2. According to the requirements of the lending institution, prepare the social security loan application materials, usually proof of identity, proof of residence, proof of work, proof of income and proof of social security;

3. Fill out the loan application form, submit the application materials, submit a written application for social security loans;

4. p>

4. The lending institution carries out strict examination and approval in accordance with relevant regulations;

5. The lending institution and the borrower sign a loan contract;

6. The lending institution disburses the loan;

7. The borrower returns the loan in accordance with the contract.

Two, good will spend loans how, good through

Good will spend applicants need to age 25-50 years old, education needs to be in high school and above, the higher the education, the loan amount may also be higher, borrowing need to check will lead to approval does not pass,, Guizhou, Xinjiang, Gansu Tibet, Inner Mongolia, Shaanxi, Ningxia and other regions temporarily does not support the application. After applying for a good will soon be able to learn the results of the approval, meet the requirements of the loan, the fastest 1 minute can be disbursed. The full name of the bank is "CITIC BITSIN BANK LIMITED", by Baidu and CITIC photo, can provide users with credit services. Hao will spend is a hundred products, loan amount up to 200,000, the lowest daily interest rate of 0.02%, the specific loan interest rate by the system according to the borrowing applicant's personal situation after a comprehensive assessment given. Good will spend the longest can be divided into 12 installments to repay, but the loan can be borrowed as you go, the daily interest rate has pre-lending fees, the loan process is relatively simple.

Loan classification:

1. Normal loan

Normal loan is a borrower can fulfill the contract and can not repay the loan on time. The main features:

1 good operating efficiency, the main financial indicators and cash flow structure is reasonable;

2) the borrower's willingness to repay the loan, the principal and interest in the bank and other banks to make normal payments, a good credit record;

3) to ensure the integrity of the movement and the financial situation is normal, the collateral/quality

2.Concerned about the loan

Concerned about the loan refers to the loan that, although the The borrower is currently able to repay the debt in the repayment of factors that continue to develop may affect the repayment of debt. Loan five main features:

1) although not overdue for debt repayment, but the borrower is suspected of maliciously evading bank debt;

2) borrowing new and old loans;

3) the borrower did not use the funds according to the agreed purpose;

4) the borrower defaulted on the interest, principal, installments and advances;

3. Subordinated Loans

Forces There are obvious problems, into the inability to repay the debt principal and interest in full. Loan principal and interest losses are generally expected to be no more than 60%. Main features:

1) Borrowers owe interest, principal, installments and advances 91 days to 1 year (including 1 year).

2) the borrower's malicious evasion

4. Doubtful loans

Doubtful loans is the borrower can not repay the debt in full this caused losses, principal and interest loss:

1) default interest, principal, installments and advances for more than one year;

2) the borrower has been seriously insolvent and seriously underfunded;

3) the loan will suffer a significant loss, but the amount of the loss cannot be determined due to the disposition of the borrower's mortgage (pledge), pending litigation, or failure to complete execution.

5. Loss loans

Loss loans are loans that are recovered after all possible measures or necessary legal procedures, or only a small portion, and such principal and interest. The main features:

1) the borrower and guarantor has been declared bankruptcy according to law;

2) the borrower is revoked, closed, dissolved, terminated legal personality;

3) after ruling that the borrower and guarantor has no property to enforce, the bank can not recover the loan.

In fact, banks usually judge the borrower's personal money through credit reports, with predictable consequences.

Three, Hainan type

Personal and business. 1, personal housing loans are divided into three kinds, one is a personal housing commercial loans, another is a personal housing provident fund loans, there is also a combination of personal housing loans. 2, business mortgage loans, the object of the loan for the industrial and commercial registration of various types of small and medium-sized business customers, business The company's main goal is to provide the best possible service to its customers. 3, pawnshop mortgage is to mortgage real estate to the pawnshop, deliver a certain percentage of fees and interest to obtain the pawn money, and in the agreed period of time to pay the interest and fees, pay back the pawn money and the redemption of pawns. 4, vehicle mortgage is to the borrower or the third party's automobile or the car of the self-purchase as a collateral, to the financial institutions or the automobile loan company to obtain loans. 5, the company's main goal is to provide the best possible service to its customers, to the customers, and to the customers.

Four, which varieties can be pledged as a bank loan, loan interest is how much

According to the general rules of the loan above can be, but in addition to time deposits, the other basic do not handle. The current interest rates are: