Jiangxi bank loan application

Can a steamed bun shop borrow money from Jiangxi Bank?

Of course. Shops such as Baozipu can apply for loans in Jiangxi Bank, as long as the business license is over three years. Jiangxi Bank is the only provincial corporate bank in Jiangxi Province. 20 15 was formally established in February, and was listed in Hong Kong in June, 20 18.

Jiangxi Bank's application for mobile phone second loan was rejected. Can it apply for Jiangyin Express Loan?

You can apply. Jiangxi Bank's mobile phone second loan is an online loan. If the online loan is rejected, you can apply for a bank loan. Because the conditions of bank loans and online loans will be different. After the applicant's online loan is rejected, if he needs money urgently, he can apply for a loan at the bank or go to other online lending platforms to apply for a loan.

Jiangxi bank housing mortgage loan interest rate

Hello, the housing mortgage interest rates of Jiangxi Bank is generally 4.9%-7.2%, and the specific interest rate is subject to the announcement of Jiangxi Bank in official website. The longest mortgage loan of Jiangxi Bank can be borrowed for 30 years, and the maximum loan amount is 5 million yuan. The loan term can be adjusted according to the actual situation of customers, and the shortest loan can be 1 year. Jiangxi Bank needs to provide relevant information such as purchase contract, real estate license and ID card when applying for housing mortgage loan. Jiangxi Bank will review the loan application according to the customer's situation, and the loan can be obtained after the approval.

What conditions do Jiangxi Rural Commercial Bank need for microfinance?

First, rural commercial banks personal microfinance conditions

1. Only ID cards are not acceptable. You need to provide personal identification, proof of stable address and proof of stable income source. Conditions: The borrower must be a natural person with full civil capacity at the age of 18; Have permanent residence or valid residence status in China; Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan; Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. Documents proving the purpose of the loan; Having certain self-owned funds and being able to pay the down payment according to the specified proportion; Providing effective guarantees recognized by commercial banks; Other conditions stipulated by commercial banks.

2. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1 Basic information of the borrower and guarantor; 2. The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for the loan; 3. Correct the original unreasonable loan; 4. List of collateral and pledge, certificate of consent of the mortgagee and pledge disposition, and relevant certification documents of guarantor's consent to guarantee; 5. Project proposal and feasibility report; 6. Other relevant materials deemed necessary by the lender.

3. The credit rating evaluation of the borrower should be based on the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects.

4. The rating can be conducted by the lender independently and internally, or by an evaluation agency recognized by the competent department. Loan investigation After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.

Lenders who approve loans shall establish a loan management system that separates loan approval from grading. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority.

Second, the conditions of rural commercial banks

1. Rural commercial credit e-loan needs the platform to rate individuals, verify the loan amount and issue loan vouchers. Users who meet the conditions of bank loans will issue loans after approval, and borrowers will repay them on time.

2. Loan process: (1) Credit rating. Mainly based on the basic situation of the lender, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, it is divided into three grades: excellent, good and average. (2) Approved credit line. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades. When applying for a loan, you can apply for a loan within the credit line with the loan certificate and valid ID card (or household registration book). After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter personnel (or the doorman personnel), fill in the loan receipt, and then use the loan according to the regulations.

3. The borrower shall repay the loan principal and interest according to the loan contract. The answer is provided by Youhuahua, a credit service brand under Baidu Finance, which provides personal consumer credit services for the public and creates an innovative consumer credit model.

Qianhua uses artificial intelligence and big data risk control technology to provide users with convenient, fast and secure Internet credit services. Click on the bottom of the mobile phone to calculate the amount immediately, and the maximum loan amount is 200,000.

How about a loan from Jiangxi Bank?

Jiangxi Bank Gold Pledge Loan is a credit loan launched by Jiangxi Bank, which mainly provides borrowers with personal legal loans. Many people want to apply for a gold mortgage loan from Jiangxi Bank to solve the financial problem. How about the gold mortgage loan of Jiangxi Bank?

1, background. Jiangxi Bank Gold Pledge Loan is a pure credit loan launched by Jiangxi Bank, which is mainly aimed at high-quality customers of Jiangxi Bank. The loan is audited by Jiangxi Bank, and the loan method is guaranteed.

2. Wide range. The loans received by Jiangxi Bank are mainly aimed at civil servants, administrative institutions, large and medium-sized state-owned enterprises, regular employees of listed companies and other users, and the loan amount is directly approved according to the job level, solvency and asset status, with a maximum loan amount of 3 million yuan.

3. advantages. Jiangxi bank gold mortgage loan does not need mortgage and guarantee, and it can be released as soon as one day. Moreover, the longest loan period of Jiangxi Bank's gold pledge loan is three years, which can be granted at one time and has a wide range of recycling purposes. Can be used for car purchase, decoration, travel, purchase of large consumer goods and other consumer purposes.

Judging from the above points, it is still very good for Jiangxi Bank to get gold loans. Those who meet the conditions of Jiangxi Bank's gold loan can be directly handled through Jiangxi Bank's mobile banking and Jiangxi Bank's official website.

What are the requirements for applying for personal credit loan from Nanchang Bank?

First of all, the applicant must have a fixed residence in the place where the branch of Nanchang Bank is located, a fixed residence (or a valid residence certificate) in the local town, be a China citizen aged 65,438+08 to 60, have full capacity for civil conduct, be in good health, have a legal occupation and a stable economic income, and have the ability to repay the principal and interest of the loan on schedule; At the same time, the applicant's occupation is limited to in-service national civil servants, regular employees of institutions, regular employees with fixed income and repayment ability in industries such as finance, telecommunications, electric power, tobacco, railways and civil aviation, as well as lawyers, doctors, teachers and active military officers.

Then, the bank's credit status in Nanchang is good, and there is no record of loans overdue interest arrears for more than one month or more in relevant financial institutions, and there is no record of credit card arrears for more than 90 days. After being evaluated by the lender according to the personal credit evaluation form, the score is over 90 points.

Next, you must have my income and employee identity certificate issued by the personnel department of the borrower's unit, open a Jinruika or current savings account with our bank, and finally meet other conditions stipulated by Nanchang Bank before you can apply.

The introduction of Jiangxi bank loan application ends here.