3 select lending institutions
4 making repayment plans
Financial Services Company on the market each big loan institutions are more familiar with, understand the requirements of various lending institutions, so you can choose the appropriate loan products according to the actual situation of borrowers.
Bank mortgage lending speed between 15 days -30 days, each bank is different.
Bank credit lending speed between 7 days -20 days, each bank is different.
Project loan refers to a relatively long period of investment projects, the general cycle of more than two years.
(1) short-term emergency response;
This is because of the different requirements of the borrower’s loan products are not the same, even the same type of loan products, also be quite different requirements on the borrower’s loan institutions, if the borrower does not understand the loan requirements, also do not understand the actual situation of their own, and that there will be a white run phenomenon.
What should we do next if we get the loan? Plan repayment, of course. Repayment on time can create a good credit for yourself, and it will be of great help to apply for loans or other things later.
Why do we have to make clear the purpose and duration of the loan?
Financial Services Company and its choice of lending institutions, lending speed basic synchronization, but will be relatively fast, after all, acquaintances good job.
Loans must have a clear purpose, do not blindly. Clear the purpose and duration of the loan, in order to targeted selection of suitable loan products.
Many customers may encounter such a situation, run a lot of lending institutions, the results have been rejected, so that not only waste a lot of manpower and resources, but also affected the loan program.
If there is no house, do not belong to the quality of occupation (civil servants, institutions, state-owned enterprises, the world’s top 500 famous enterprises or employees), but the score of more than 85, can also be considered to apply for bank credit.
(2) choose bank credit;
If you have real estate, and all the housing or mortgage have been paid off, you can consider going to the bank for real estate mortgage, but the score reference score must be more than 60 points.
If the job is a civil service, institutions, state-owned enterprises, the world’s top 500 or well-known enterprise employees (such as BAT), and reference score of 70 points or more, you can consider applying for bank credit.
In addition to the loan value and interest, the speed is also a very important factor. Sometimes the speed is even more valuable than the interest and the amount. Here, we listed a variety of lending institutions lending speed, we can refer to.
(2) operating loans;
If you have a house, you can make a mortgage, you want to apply for a bank loan, but the reference score below 60 points, you can consider looking for a guarantee for Guarantee Corporation, banks want to apply for mortgage loans.
What if you evaluate your score and then find out what your conditions are? That’s OK. We can find a financial service company.
The purpose of doing so is to select the right amount of loan and choose the appropriate amount according to the actual purpose, so that the loan can be made right. On the other hand, in order to calculate the input-output ratio of loans, only in the scope of their own loans, in order to improve the effectiveness of loans.
To determine the credit loan amount according to individual score: 90 points or more, the loan amount is 600 thousand yuan; 80 points to 89 points, the loan amount is 100 thousand yuan; 70 points to 79 points, the loan amount is 50 thousand yuan; 60 points to 69 points, the loan amount is 10 thousand yuan; 50 points to 59 points, the loan amount for 5000 yuan; 40 points to 49 points, the loan amount is 3000 yuan; 40 points below the loan amount is 0.
You can refer to the following table to assess their loan qualifications.
If you do not meet the requirements of the bank (you can refer to the above three points to determine), you can apply for a small loan.
(5) select Financial Services Company
If there is a house (mortgage room can also), but do not want to mortgage the reference score of 70 points or more, ordinary people can apply for bank loans.
According to the loan threshold
How to choose their own lending institutions, maybe there are a lot of friends feel at a loss, indeed, the market so many lenders, to tell which one is and I do not say, here to give you some suggestions.
(1) choose bank mortgage
Small credit loan speed between 2 days -5 days, depending on the case with customers.
(3) project loans
1 define the purpose and duration of the loan
Of course, microfinance has its own threshold, is not to say that you can apply to the general quality, belonging to the occupation (civil servants, institutions, state-owned enterprises, the world’s top 500 famous enterprises or employees) the borrower reference score at least 50 points or more can be passed, if the borrower does not belong to ordinary occupation quality at least, scoring more than 60 points can be passed.
Here operating loans mainly refers to the purpose of loans for operating, is for investment, to obtain appropriate returns.
Bank loans, although low interest rates, but the bank has always been the credit industry aristocracy, to “quality” to take it, in the selection of customers have absolute priority. In the face of the superior bank, want to apply for a loan to a friend, who is confident, someone is overcautious, there is at a distance.
(4) select small loan companies
Why do some people feel this would hurt the unpleasant situation?
When it comes to loans, everyone wants to find a product with low interest and high quota. But the loan is a very vague and broad concept, including more financial institutions offering loans and many loan products. If the loan market is not familiar with, it is difficult to find a perfect match with their products, so we come home today to tell you how to choose a suitable for their loan products.
Guarantee Corporation is like a bank.
Thus, if you need money, should be the first consideration is the small loan company, followed by the other lending institutions.
Therefore, borrowers must understand their own loan qualifications, you can according to the following scoring system to do their own loan assessment, so that you can judge their loan qualifications.
Choose according to the speed of the loan
Of course, it doesn’t matter if you don’t meet the conditions of bank lending. There are also many loan agencies that can apply.
Short-term emergency, such as payment of goods, repayment of maturity, payment of staff salaries, etc., generally within two months.
2 self assessment
(3) selecting guarantee institution;
Original article, reprinted please note： ReprintLOAN
The link address of this article: How do you choose a loan that suits you?!