Personal collateral loans
Personal loans are loans personal pledge to comply with the requirements of Weihai bank certificates of deposit as collateral material, to the banks for a certain amount of RMB loans.
Customer loan application process:
(1) to apply: apply for the rights of the individual borrower as security for loans, bank outlets are required to submit an application and submit relevant materials;
(2) loan approval: Bank of investigation, examination and approval departments for approval by the right to consent, as security for stopping payment;
(3) signed a contract: signed a personal pledge of bank customers in the loan contract;
(4) loan: the borrower completed bank-related procedures can be confirmed by the audit loans;
(5) Customer payment: The customer agreed to make payments under the contract.
2010年4月4日星期日
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Auto loan
Auto loan is the bank in its special dealer car buyers to buy a car payment of RMB loans secured a new loan.
In addition to auto loan application must be approved by the authorized dealer banks to purchase a car within the limit, the application auto loan car buyers must meet the following conditions:
(1) the purchaser must be 18 years of age, and with full civil capacity of the Chinese citizens.
(2) the purchaser must have a stable job and stable income, or have a readily realizable assets, so as to repayment of the loan. Easily converted to cash here generally refers to securities and gold and silver products.
(3) apply for a loan period, the car counters in the handling bank savings account earning less than the memory requirements of the buyers bank first paragraph.
(4) to the bank guarantee acceptable to the Bank. If the car's personal account is not local, but also to provide joint responsibility to ensure that banks do not accept buyers with loans secured by the purchase of vehicles set. (5) buyers are willing to accept the bank's other conditions deemed necessary.
Auto loan is the bank in its special dealer car buyers to buy a car payment of RMB loans secured a new loan.
In addition to auto loan application must be approved by the authorized dealer banks to purchase a car within the limit, the application auto loan car buyers must meet the following conditions:
(1) the purchaser must be 18 years of age, and with full civil capacity of the Chinese citizens.
(2) the purchaser must have a stable job and stable income, or have a readily realizable assets, so as to repayment of the loan. Easily converted to cash here generally refers to securities and gold and silver products.
(3) apply for a loan period, the car counters in the handling bank savings account earning less than the memory requirements of the buyers bank first paragraph.
(4) to the bank guarantee acceptable to the Bank. If the car's personal account is not local, but also to provide joint responsibility to ensure that banks do not accept buyers with loans secured by the purchase of vehicles set. (5) buyers are willing to accept the bank's other conditions deemed necessary.
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