Is it good to get a Changsha bank loan? Policy and product introduction!
In today's increasingly stressful life, getting a loan has become a problem that many people have to face. Some friends come to ask: Changsha bank loan good loan? Here for you a brief introduction to the Changsha Bank loan policy and loan products.
As a city bank, Changsha Bank's loan policy is still more lenient than some big banks. Therefore, for people with good credit and strong repayment ability, Changsha Bank's loans are still better to apply for.
The next step is to introduce Changsha Bank's loan products. Changsha Bank's loan products mainly include personal automobile consumer loans, mortgage loans for construction machinery and equipment, mortgage loans for personal housing in primary buildings, loans for studying abroad, personal revolving loans and personal consumption loans.
Here is an introduction to the application requirements for personal consumption loans:
1. Chinese residents who are over 18 years old and in good health;
2. Stable economic income and the ability to return the loan in full and on time;
3. Good personal credit, with no previous serious breaches of credit;
4. guarantee method;
5. Open a personal settlement account with Changsha Bank.
It is not difficult to see through the application requirements of Changsha Bank's personal consumption loans that Changsha Bank's loans are still relatively good.
What are Changsha Bank's business credit loans? Take a look at these three
Many small and medium-sized enterprises in the production and operation, as well as the development process, may face difficulties, you can go to apply for some bank credit loans, no collateral guarantee, with credit can apply, for example, Changsha Bank has a number of such loans, suitable for different qualifications of the enterprise to apply for, here to give you an inventory of the inventory.
What are Changsha Bank's business credit loans?
1, tax e-financing:
This refers to the revolving credit loans issued by Changsha Bank to the legal representatives of small and micro enterprises for business turnover, using the tax credit of the small and micro enterprises authorized by the tax department as the basis for granting credit.
Any customer who has paid taxes normally for more than two years can apply through the Internet, with a loan amount of up to 1 million yuan, a maximum validity period of 12 months for a single credit line, a maximum term of six months for a single loan, repayment as you go, and interest on a daily basis as low as two-tenths of one percent.
2, online business water loan:
The Changsha Bank for Tmall, Jingdong and other mature e-commerce platforms engaged in B2B, B2C e-commerce business merchants and provide credit financing products, credit line up to enjoy 20 million yuan, credit period of 1 year, to support the repayment of borrowing, interest rates can be as low as the lowest only Taobao personal merchants in Hunan region can apply for.
3. POS Loan:
The short-term credit loan issued by Changsha Bank to merchants whose POS machines are installed by external service providers (non-UnionPay) and whose POS swipe accounts are with Changsha Bank, up to a maximum amount of 300,000 yuan.
Only POS merchants that have been conducting acquiring with Changsha Bank for more than three months, have physical stores with Changsha Bank as the acquiring bank, and have more than three years of industry experience can apply.
Changsha Bank Happy Seconds Loan easy to pass through the need to pass the assistant generation
Changsha Bank Happy Seconds Loan easy to pass through the need to pass the assistant generation. Happy seconds loan is a loan product of Changsha Bank, as long as the borrower meets its application conditions, the pass rate is still naturally very high. At present, the Happy Second Loan is mainly oriented to high-quality units, and does not need to help the loan.
Changsha Bank Happy Seconds Loan and Le Instalment which is better
Changsha Bank Happy Seconds Loan and Le Instalment, Happy Seconds Loan is good. According to the query related to the interest show: happy seconds loan loan amount, simple procedures, to the account very quickly, can be operated in the cell phone bank, very convenient, low interest, repayment in various forms, can be a one-time repayment, can be repaid in installments, but also can be repaid in advance, by the customer's freedom of choice, as long as the customer adhere to the credit, do not default on the loan, and on time to repay the loan, you can renew the loan. Changsha Bank Le Instalment is a large-value consumption installment product belonging to Changsha Bank. After applying for Le Instalment, users can use it to make large-value installment consumption of durable goods, residential electrical appliances, wedding and childcare, education and training, travel and tourism, 3C digital, medical and healthcare, but they cannot withdraw cash.
What are the requirements for Changsha Bank's Happy Second Loan
What are the requirements for Changsha Bank's Happy Second Loan
The age of the person is between 18-60 years old; he/she has a certain repayment ability, and it is better to have a stable income and job, but if he/she does not have a job, he/she needs to submit the documents of his/her financial strength; he/she has a good credit score, and he/she can't have any records of overdue payment or violation of law and discipline in his/her credit score. The personal credit score is good, and there should be no records of late payment, violation of laws and discipline, etc.; the personal debt ratio should not be too high, and the debt ratio should not be more than 50%. But meeting the conditions of the loan does not mean that you can definitely pass the loan, the final is still subject to the results of the bank's audit.
If you have a need, we recommend that you use the money to spend, the money to spend is the credit service brand of Duxia Finance (formerly known as Baidu Money, renamed "Money to Spend" in June 2018), the big brand is reliable, the interest rate is low, it is trustworthy. The amount of money that can be borrowed is up to 200,000 dollars, and the daily interest rate is as low as 0.02%.
1, first of all, there must be a provident fund social security customers can apply, or punch card payroll customers can also, it is best to pay more than two years of customers apply for more than the probability of payment will be higher.
2, the second happy second loan on the customer medical card, payroll and social security are included in the whitelist, must be the Changsha Bank whitelist customers can apply, that is, to meet the conditions of access to the "whitelist" customers to open up a product, if the Changsha local customers can directly bring the information to the local branch to apply for.
3, the last is the credit problem, the bank's borrowing credit requirements are still relatively high, especially the recent query record can not be too much, and credit liabilities accounted for can not be too high, if the application of the net credit mouth is more, even if the qualifications of the good is also difficult to get money.
"Changsha Bank Happy Two Loans" is a purely online, pure credit consumer loan product launched by Changsha Bank, recycling.
1.Use Changsha Bank Happy Second Loan
Car purchases, renovations, medical care, travel, education, weddings, and daily consumption.
2.Changsha Bank Happy Second Loan Application Requirements:
Natural persons between the ages of 18 and 65;
The actual age of the borrower plus the term of the loan application shall not exceed 70 years;
Stable occupation, stable income and the ability to repay the principal and interest of the loan in a timely manner;
Good credit, no bad records, and legal use of the loan.
Other conditions set by the bank.
Three steps to apply for Changsha Bank's Happy Second Loan
1. Open Changsha Bank's online banking APP (7.8.6), click on "Happy Second Loan" to activate the credit line (fill in personal information);
Apply for the loan.
4. Changsha Bank Happy Second Loan Repayment Methods
1. Automatic Repayment: Ensure that the repayment bank card (the receiving bank card chosen at the time of borrowing) has sufficient funds to return the principal and interest of the current installment before 18:00 on the agreed repayment date (21st day of each month), and Changsha Bank will automatically debit the amount of the loan.
2. You can deposit sufficient funds into the repayment account at any time, then click "Happy Second Loan" on "Online Banking" via You can deposit sufficient funds into the repayment account at any time, and then click on "Happy 2 Loan" to repay the loan in advance (no handling fee will be charged for early repayment) through internet banking.
5. What is the limit for Happy Second Loan?
The limit for a single user is limited to 300,000 yuan, and it ranges from 100,000 yuan to 300,000 yuan depending on the user's credit, savings, financial management and debts.
5. Features of Changsha Bank's Happy 2 Loan
1. Simple:Pure credit, 0 guarantee, online application;
2. Fast:Real-time approval, real-time payment;
3. High:Credit limit, the maximum loan amount can be up to 300,000 yuan;
4. Saving:Daily interest rate as low as RMB 1.5 yuan per ten thousand (borrowing 10,000 yuan, the interest rate is RMB 1.5 yuan
5. long: one-time credit, valid for three years (single loan up to three years);
6. convenient: use that is borrowed, pay interest on a monthly basis, due to repay the principal, support early repayment.
The introduction of the Changsha Bank loan products will be chatting here.