Which banks can medical loans?
Banks that can apply for medical loans include Industrial Bank, Ping An Bank, etc. Because medical loans are high risk, the threshold for applying for a medical loan is relatively high. Usually, medical loans require the applicant to have good credit, a stable job and income, and the ability to repay the principal and interest, and then the bank will also put forward other requirements based on the individual's creditworthiness.
Can I apply for a loan to see a doctor?
Yes, this is a personal medical loan. You need to go to the hospital to get and fill in the loan application form approved by the hospital's signature, and apply for the loan at the bank that carries out this business with the diagnosis certificate and hospitalization certificate issued by the hospital. The conditions for applying for the loan business: a natural person aged 18 to 65; the actual age of the borrower plus the loan application period should not exceed 70 years old; a stable occupation, a stable income, the ability to repay the principal and interest of the loan on schedule; a good credit score, no bad records, and the use of the loan is legal; and other conditions stipulated by the bank.
Can I get a bank loan for a major illness?
The provident fund can be withdrawn for major illnesses. Suddenly caused serious difficulties in family life provident fund extraction: 1, "sudden event extraction application form" (unit seal); 2, belonging to the employee's spouse or immediate blood relatives of the sudden event, need to provide proof of the relationship with my certificates; 3, the employee's unit or the street to be verified by the extraction of the certificate issued by the street; 4, the provident fund extraction of the employee's own identity card and a copy of the original; 5, Provident fund withdrawing employee's own bank savings account number; 6, in case of major diseases, in addition to providing 1 to 5 of this article must also provide: a, the hospital's diagnostic certificate; b, hospitals to provide a personal list of drug expenses; c, other major diseases must also provide proof of family income, d, retirees provide a retirement certificate; there is no staff by the street committees issued by the relevant proof; 7, in case of unforeseen accidents and disasters, in addition to providing the original and copy of the certificate of withdrawal issued by the unit or street. In the event of unforeseen accidents and disasters, in addition to the provision of 1 to 5 of this article must also provide: a, units, street offices or the relevant departments to provide proof of materials; b, personal expenses of the itemized invoice; c, proof of family income.
Expanded information:
The housing fund withdrawal must meet certain conditions, in one of the following cases can be withdrawn from the employee's housing fund account of the stored balance: (1) the purchase, construction, renovation, overhaul of owner-occupied housing with ownership; (2) leave the retirement, retirement; (3) total loss of working capacity, and the unit with which the (3) Termination of the labor relationship with the employer; (4) Settlement abroad; (5) Repayment of the principal and interest of the loan for the purchase of housing; (6) Rent exceeding the prescribed percentage of the family's salary income. Application: When applying for a CPF loan, the borrower should firstly fill in the "Employee's Individual Housing Provident Fund Loan Application Form", and submit it to the lending bank together with the following documents after being stamped by his/her unit: 1) ID card, household registration and proof of marital status of both husband and wife of the borrower (provide the originals and photocopies); 2) "Proof of Economic Income" and "Certificate of Contribution to CPF" issued by the units of the borrower and his/her wife; 3) Proof of purchase of housing should be provided. Purchase contract or agreement and down payment receipt should be provided for the purchase of housing; documents approving the construction of housing should be provided for self-built housing; 4. Other supporting documents required by the lending bank. Borrowers should provide the following documents when applying for individual second-hand housing provident fund loans: 1) State-owned Land Use Certificate and Certificate of House Ownership of the purchased house; 2) Appraisal report of the purchased house; 3) ID cards and household registers of both husband and wife of the seller; 4) Purchase contract. According to the Loan Contract signed between the lending bank and the borrower, the borrower shall repay the loan monthly in the following month after the loan is disbursed, and there are two specific ways, which the borrower shall choose by himself: 1) to repay the principal and interest of the loan in cash at the lending bank from the 1st to the 20th of each month; and 2) to entrust the lending bank to repay the loan on behalf of the borrower. The borrower and the lending bank sign a "withholding repayment agreement" and apply for a personal repayment savings card. The borrower can pre-deposit the repayment amount for several months at a time, or deposit the full repayment amount at the nearest bank savings office before the 20th of each month, and the bank will deduct the loan principal and interest payable directly from the borrower's savings account. The borrower can repay the entire loan principal and interest in advance in one lump sum, or repay part of the loan principal in advance.1. By repaying the entire loan principal and interest in advance, the lending bank will re-approve the remaining portion of the borrower's loan principal and interest according to the number of days that the loan is actually taken up by the lending bank.2. By repaying part of the loan principal and interest in advance, the lending bank will re-calculate the borrower's monthly repayment amount or the loan tenure based on the remaining loan principal. Baidu Encyclopedia-Provident Fund WithdrawalCan I get a loan if I don't have money for medical treatment?
You can get a loan for medical treatment, and now you can get a credit-based loan. You can get an unsecured, unguaranteed credit loan for medical treatment.
Personal credit easy loan application information:
1, valid proof of identity; (ID card)
2, proof of permanent residence or valid proof of residence, and proof of fixed abode; (hukou)
3, proof of marital status; (marriage certificate or units or neighborhood committees to provide proof of singleness)
4, proof of income or personal asset status Proof; (generally is the bank water)
5, loan purpose use plan or statement;
Loan (e-debit credit loan) simple common understanding, is the need for interest to borrow money.
Loans are a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned and other conditions. Loans in a broad sense refers to loans, discounting, overdrafts and other lending funds in general. Banks through the way of loans will be concentrated currency and monetary funds put out, can meet the expansion of social reproduction on the need for additional funds, promote economic development, at the same time, the bank can also be obtained from the loan interest income, increase the bank's own accumulation.
Principle:
"Three principles" refers to the security, liquidity, efficiency, which is the fundamental principle of commercial bank loan operation. Article 4 of the Law of the People's Republic of China on Commercial Banks stipulates: "Commercial banks shall operate on the principles of safety, liquidity and efficiency, and shall carry out independent operation, bear their own risks, be responsible for their own profits and losses, and exercise self-restraint."
1, loan security is the primary problem faced by commercial banks;
2, liquidity refers to the ability to be able to recover the loan by a predetermined period of time, or the ability to quickly liquidate the loan without loss, to meet the customer's need to withdraw their deposits at any time;
3, efficiency is the basis of the bank's continued operation.
For example, the issuance of long-term loans, the interest rate is higher than the short-term loans, the efficiency is good, but the loan period is long will increase the risk, security is reduced, liquidity is also weakened. Therefore, the "three sexes" should be in harmony with each other, so that the loan will not be a problem.
The bank asked if you can say that the purpose of the loan is to treat a relative
Yes.
This is a personal medical loan. You need to go to the hospital to get and fill in the loan application form approved by the hospital signature, with the diagnosis certificate and hospitalization certificate issued by the hospital to apply for a loan to the bank that carries out this business.
But risk control is a very important step in the loan, you need a loan since you see a doctor, then it means that either your financial ability is not good, or this disease is very serious, these are the lending institutions do not want to see, so at present the loan to see a doctor's market basically do not see.
Can banks lend money for medical treatment?
As long as the conditions are met, you can apply for an unsecured and unguaranteed personal credit loan from any bank.
Conditions for application
1, Chinese citizens who have a fixed residence in China, have a permanent household registration in a local town and have full capacity for civil behavior;
2, have a good occupation with legitimate and stable financial income, and have the ability to repay the principal and interest of the loan on schedule;
3, abide by the law and have no illegal acts and bad credit records;
< p>4, having obtained a personal credit rating of A- grade (inclusive) or above in ICBC;5, having opened a personal settlement account in ICBC;
6, other conditions stipulated by the bank.
In addition to the above basic conditions, borrowers with one of the following specific access conditions are specific access customers for credit loans:
(1) middle and senior management personnel and senior professional and technical personnel who are high-quality legal entity customers of the bank;
(2) individuals who have their own assets of 2 million yuan or more;
(3) Oyster Platinum Card customers;
(4) hold a personal financial account with the bank for more than 1 year and the average annual deposit balance of the account is 200,000 yuan or more;
(5) be a personal loan customer of ICBC, with a loan amount of 500,000 yuan or more, and have no record of default in repayment for more than 2 consecutive years (including customers whose loans have been settled).
Expanded Information:
Loan Process
The formal banking process is: First, the borrower is required to submit a series of documents to the bank in addition to the ID card, including
(1) Loan Application Approval Form;
(2) Proof of Residential Address;
(3) proof of occupation and income; and other documents specified by the bank.
Secondly, after the bank passes the examination and approval of the application information submitted by the borrower, both parties sign the loan contract.
Finally, the bank disburses the loan to the borrower by transfer.
Loan amount
The starting point of the loan amount is 10,000 yuan, with a maximum of 1 million yuan (inclusive).
Loan interest rate
Loan interest rate is in accordance with the benchmark interest rate for loans of the same grade in the same period as stipulated by the People's Bank of China.
Repayment Methods
Loans with a term of less than one year (inclusive) are repaid by monthly interest payments, and monthly, quarterly or one-time principal repayment; loans with a term of more than one year are repaid by monthly principal repayment.