I. What are the conditions for a loan? I am a hospital doctor
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Two, what are the conditions needed to get a loan to see a doctor? Mainly these!
Although people's standard of living has improved a lot, but seeing a doctor is still an expensive expense, a small cold can cost hundreds of dollars, not to mention the big disease, if you do not have to buy medical insurance, most of the costs need to be spent on their own, the average family can hardly afford. So what are the requirements for a loan for medical treatment? Today we will have a brief chat about the relevant content.
I. Can I get a loan for medical treatment? In fact, the loan products specifically for medical care is very little, there are several reasons, mainly medical loans are very high risk, a serious illness can drag down a family in minutes, the economic conditions of the family is unable to repay the loan, so the bank is very little this project. In addition, there are many bank loans available on the market, people can apply for credit loans or mortgage loans, the amount can be used for medical treatment. However, now many hospitals have cooperated with banks, can be for difficult users for medical loans, must be issued by the hospital diagnosis certificate and hospitalization certificate to apply, the interest rate will have some concessions. Second, loans for medical treatment need what conditions? 1, must meet certain conditions, such as only specific diseases or surgery, can apply for special medical loans. 2, only some hospitals and banks, designated hospitals to receive a signed and approved loan application, bring proof to the cooperative bank for loan business. 3, the family has a stable income and work, good credit, the name of the best eligible collateral collateral The best thing is to have qualified collateral security in your name. In short, now the expensive and difficult to see the doctor is the topic of concern for all, most of the patients can not completely solve the problem through the loan, we really have difficulties if you can not afford their own situation, you can try to ask for help from the community.
Three, what circumstances will you choose to loan?
As a banker, let me answer this. In the eyes of the Chinese people, there is a great ability to do a lot of things, do not like to owe others a favor, but also do not want to poor bank loans, in fact, the original intention of this idea is good, but with the socio-economic development of this concept began to be a little bit of a misfit. Personally believe that there are the following circumstances when you can choose a loan: First, the purchase of housing, housing for ordinary people is definitely a great expense, the conditions are not good, the down payment needs to be borrowed, this time do not wait for when the loan? Second, large consumption, such as renovation, purchase of automobiles, study abroad, these more rigid large consumption, through the loan installments, can effectively ease the financial pressure. Thirdly, when there is a need for investment, when one finds an investment opportunity to make a fortune and suffers from not being able to get enough money, one can solve the problem by taking out a loan. Fourth, when suffering from a serious illness, now whether it is urban or rural, have purchased medical insurance, but if suffering from a serious illness, and medical insurance can not be reimbursed, you can take out a loan to solve the urgent need, may be a lot of people do not know, see a doctor can also be a loan. In short, there are financial needs, but do not want to owe relatives and friends, can choose bank loans, the bank is very welcome. Finally, I would like to emphasize that some people are afraid of direct contact with the bank, through the intermediary to deal with the loan, may often pay a high intermediary fee, with their own direct access to the bank for the same effect.
Four, 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 signature, with the diagnosis certificate and hospitalization certificate issued by the hospital to carry out this business to apply for loans. 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, no bad records, the use of the loan is legal; and other conditions specified by the bank.