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There will be no usury in the loans of the banking system, and everyone can use them with confidence. If the priority is divided, it is suggested to do real estate mortgage loan first, then consumer credit loan, then universal fund for credit card installment, and so on. Then like some small loan companies, online loans, micro-loans borrowed by ants, etc. Try not to use them. These thousands to tens of thousands of quotas will have an impact on your system loans in other banks, such as buying a house. If banks that borrow more often refuse to lend, including mortgage loans and bank credit loans, it will also have an impact. Small funds need to be solved by credit card as much as possible. It is best to make a mortgage of more than 500,000 yuan, with low interest and low pressure. It is a small bag online loan for consumer finance. Don't do it unless you have to. Even if you have money, you should pay it back in time.

Ordinary people need to meet the conditions for handling 654.38 million loans.

Basic conditions:

1. Chinese mainland registered residents, aged between 22 and 55, can lend to people aged 60 with full civil capacity through personal banks.

2. Income can cover repayment and has repayment ability.

3. Good credit information, good big data and not too many queries.

4. No negative information such as criminal cases and bad records.

5. It is not a high-risk occupation, nor is it an occupation prohibited by banks.

6. The purpose of the loan is reasonable and compliant, and proof of post-loan use can be provided. Project: (loan 654.38 million yuan) 65,438+0. Salary items: if you work for more than one year and earn more than 10,000 yuan, you will pay social security accumulation fund.

2. Provident fund project: after working for one year, the provident fund base is above 1400.

3. Monthly payment: the monthly payment is more than one year, and the monthly payment is more than 5,000 yuan.

4. Life insurance policy project: I have completed three life insurance policies within two years, with the annual payment of more than 5,000 yuan, and the applicant is myself.

5. Property value project: there is a house clearing in the local area, and the property has certain transaction value. It has been held for a certain period of time, with no more than three property owners, and the property value is more than 6,543,800 yuan.

6. Owner's item: vehicles with names and driving licenses can be provided. The vehicle is my own vehicle, with a value of over 6,543.8+0.5 million.

7. Enterprise flow acquisition: Business owners or self-employed individuals have a certain income flow, and the demand for interest settlement in one year is generally greater than that in 28 yuan.

8. Access to tobacco business license: Individual industrial and commercial households engaged in tobacco business can apply for credit loans if they hold tobacco monopoly licenses.

9. Access to enterprise invoicing: If there are multiple enterprises invoicing, the business owners or shareholders can apply for invoicing loans in their own names, and the annual invoicing amount is more than 2 million.