Personal credit loan is provided to fulfill consumer demands without any mortgage. Main product: You Dai Bao.
● No mortgage guarantee, and easy process
● As much as RMB 1,000,000
● As long as 5 years
● Wide consumption use
● Preference consumption loan rate
● Age between 22 years old and 55 years old
● Fixed local residence with valid ID
● Stable job with at least RMB 5,000 before tax per month
● Valid ID document：valid ID and its copy；residence permit or temporary residence permit needed if borrower is resident from other provinces, Hong Kong、Macau、Taiwan, and other countries
● Residential document：complete household register and copies、or rental contracts
● Loan repayment capability document：proof of earnings from high quality industries、bank payroll、bank statement、or duty-paid proof of personal tax
● Foreigners should provide contract of labor、detailed statement of employment (exclude mortgage clients of our bank)
● Domestic resident should provide property certificate of borrower himself/herself or family members (direct relatives), location is not limited (exclude mortgage clients of our bank)
● Step1：Submit application to our branch or sub branch, client manager will help to prepare all the materials needed
● Step2：Apply for the approval process after all the materials prepared
● Step3：Sign contracts and lend money after approval
● Step4：Make repayments on time and keep all the consumption voucher