Does Jiangsu bank use e-loan to borrow and pay back?

1. Did Jiangsu Bank repay the loan with E?

Yes, you can borrow it and return it. Jiangsu bank e-loan is an internet loan product launched by Jiangsu bank, which is divided into personal consumption e-loan and business e-loan Consumer loan and E are unsecured and unsecured credit loans. Commercial loans with E can apply for credit loans or real estate mortgage loans. There are differences in repayment methods between them, as follows:

1 online loan consumption

The loan period for consumption with e-loan is one year or less, and you can choose one-time repayment of principal and interest or repayment of equal principal and interest; The repayment method for more than one year is only the repayment method of equal principal and interest.

2 operating electronic loans

E-loan operation adopts the way of borrowing and paying back, paying interest on a monthly basis, and paying off profits with principal after maturity. The borrower can also use the monthly average principal or monthly average principal and interest repayment method according to the needs of the use of funds.

The pass rate of Jiangsu Bank's e-loan varies from person to person, because it is based on the actual approval of the applicant's personal credit. Take e-loan as an example, the applicant needs to meet the following conditions:

1 The applicant should be between 18 years old and 65 years old, with good credit.

The applicant's business entity needs to be established for more than 1 year and has good credit.

3. The asset-liability structure of the operating entity is reasonable, and there has been no sustained loss in recent years.

The applicant has no tax arrears when applying for a loan, and has been rated as M-level or above by the national tax department in recent two years, including customers who have not yet been rated.

2. What are the corporate loans of Jiangsu Bank? Mainly these!

The financing difficulty of small and medium-sized enterprises has always been a problem. This year, the state has also introduced many preferential policies, and banks have lowered the threshold for applying for corporate loans, so qualified enterprises can learn about it. Today, we will introduce the related contents of corporate loans of Jiangsu Bank.

1. The personal entrusted loan is funded by the principal and bears all financial risks. As the trustee, Jiangsu Bank issues and assists in the recovery of loans according to the loan object, loan purpose, amount, term and interest rate determined by the client. 2. Operating vehicles (construction machinery) loans are used for customers to purchase operating vehicles and construction machinery from manufacturers and distributors that have cooperative relations with Jiangsu Bank. 3. Personal financial assets pledge revolving loan customers hold personal financial assets of Jiangsu Bank and apply for funds to meet daily consumption and short-term purposes. 4. Personal Business Guarantee Loan Jiangsu Bank cooperates with the loan guarantee institution designated by the local government to solve the loan problem of insufficient self-financing for individual entrepreneurs to engage in individual business or partnership. 5. Loans granted by "agriculture-related" individuals to "agriculture-related personnel" for "agriculture-related" production, operation and consumption. 6. After the "deposit-to-loan" function is activated in the repayment account (debit card) opened by the deposit-to-loan customer in Jiangsu Bank, Jiangsu Bank will calculate and pay a certain expected wealth management income for you at the end of each business day according to the balance of your current deposit in the repayment account and the agreed conditions and calculation rules, and deduct the loan interest regularly.

3. What are the corporate loans of Jiangsu Bank?

1. Personal entrusted loan: the principal provides funds and bears all the risks of funds. As the trustee, Jiangsu Bank issues and assists in recovering loans according to the loan object, loan purpose, amount, term and interest rate determined by the principal.

2. Loans for operating vehicles (construction machinery): Customers purchase loans for operating vehicles and construction machinery from manufacturers and distributors that have cooperative relations with Jiangsu Bank.

3. Revolving loan of personal financial assets pledge: customers hold personal financial assets of Jiangsu Bank and apply for funds to meet daily consumption and short-term purposes.

4. Personal business guarantee loan: Jiangsu Bank cooperates with the loan guarantee institution designated by the local government to solve the loan problem of insufficient self-financing for individual entrepreneurs to engage in self-employment or partnership.

5. "Agriculture-related" individuals: loans granted to "agriculture-related personnel" for "agriculture-related" production, operation and consumption.

6. Deposit-to-loan: After the "deposit-to-loan" function is activated in the repayment account (debit card) opened by the customer in Jiangsu Bank, Jiangsu Bank will deduct the loan interest regularly at the end of each business day according to the balance of your current deposit in the repayment account and the agreed conditions and calculation rules, so as to calculate and pay a certain expected wealth management income.

4. What are the bank credit businesses?

Broadly speaking, there are enterprise credit business and personal credit business.

Among them, corporate credit business includes project loans, working capital loans, small business loans, real estate enterprise loans and so on.

Personal credit business includes personal housing loans, personal consumption loans and personal business loans.

(Jiangsu bank credit business classification: personal comprehensive credit business loans, personal and private enterprise liquidity loans, personal and private enterprise bank acceptance bills discount loans, small secured loans for laid-off workers)

One is personal business loans.

1, quota application, recovery.

According to your operation, credit standing and collateral status, the maximum loan amount is approved, and the loan amount can be recycled within the validity period of the credit amount.

2, withdraw money at any time, and the procedure is simple.

After you get the quota, within the validity period, if you need loan funds for production and operation, you only need to fill in the loan issuance form at the handling outlets.

3. Repay in advance, free of charge.

4. Real estate guarantee and high loan amount.

For mortgage of real estate, the maximum loan is 6,543,800 yuan+0,000 yuan.

Loan target: individual industrial and commercial households, sole proprietorship enterprises, partners of partnership enterprises and shareholders of limited liability companies;

Credit line: up to 6,543,800 yuan;

Guarantee method: real estate mortgage (the real estate of the borrower and his spouse or immediate family members can be mortgaged); ... to start corporate credit business and personal credit business.

Among them, corporate credit business includes project loans, working capital loans, small business loans, real estate enterprise loans and so on.

Personal credit business includes personal housing loans, personal consumption loans and personal business loans.

(Jiangsu bank credit business classification: personal comprehensive credit business loans, personal and private enterprise liquidity loans, personal and private enterprise bank acceptance bills discount loans, small secured loans for laid-off workers)

One is personal business loans.

1, quota application, recovery.

According to your operation, credit standing and collateral status, the maximum loan amount is approved, and the loan amount can be recycled within the validity period of the credit amount.

2, withdraw money at any time, and the procedure is simple.

After you get the quota, within the validity period, if you need loan funds for production and operation, you only need to fill in the loan issuance form at the handling outlets.

3. Repay in advance, free of charge.

4. Real estate guarantee and high loan amount.

For mortgage of real estate, the maximum loan is 6,543,800 yuan+0,000 yuan.

Loan target: individual industrial and commercial households, sole proprietorship enterprises, partners of partnership enterprises and shareholders of limited liability companies;

Credit line: up to 6,543,800 yuan;

Guarantee method: real estate mortgage (the real estate of the borrower and his spouse or immediate family members can be mortgaged);

Loan interest rate: In accordance with the relevant provisions of the state, it will rise appropriately on the basis of the benchmark interest rate of the People's Bank of China.

Second,

1, flexible way: the joint guarantee is up to you.

2. The burden is light: only the normal loan interest is charged, and there are no other expenses.

3. Quick loan: you can get a reply within 3 working days after the investigation is completed.

4. Good service: the professional team is considerate and efficient for you.

Loan targets: individual industrial and commercial households, micro-enterprise owners, individual shareholders of limited liability companies and farmers.

Loan amount: up to 654.38 million for merchants (up to 50,000 for farmers).

Loan term: 1- 12 months.

Third, certificates of deposit.

1, the minimum monthly interest rate is 4% 43.

2. You can withdraw money on the same day at the earliest.

3. The certificates of deposit of relatives and friends can also be used for loans.

4. Up to 90% can be loaned.

5. The maximum loan is 6,543,800 yuan.

Fourth, personal second-hand housing loans.

1, loan target: employees and freelancers.

2. Loan amount: 80% of the maximum loanable house price for house purchase and 50% of the maximum loanable house price for commercial house purchase.

3. Loan term: up to 30 years.

4. Loan interest rate: 30% discount on the highest interest rate.

5. Loan processing flow: signing the house sales contract-face-to-face signing the loan application-loan investigation and approval-goods approval notice-house property right transfer, mortgage-loan issuance.

Note: Personal second-hand mortgage is a commercial mortgage loan issued by China Postal Savings Bank to urban residents for purchasing second-hand houses or commercial houses. bale