Do you know the types and methods of personal loans? What are the features

1. Personal credit, fast, simple, but necessary

Personal credit is a new type of loan in recent years. personal loan hong kong It is a loan granted by a bank to an individual without any guarantee, and the loan amount is mainly determined by the credit history of the individual and the credit rating of the loan applicant.

Although credit loans are convenient and fast, the requirements are not low.

Banks usually require the borrower to have a stable job and a fixed residence, a good personal credit standing, and certain restrictions on the borrower's income, and the borrower's average monthly income is generally required to be no less than $3,000.

2. Home mortgage with higher loan amount

The interest rate level in the loan market is generally the prime rate, 4g wifi and the pressure to repay the loan is relatively small. What are the requirements to apply for a home mortgage loan company?

Generally speaking, this type of loan in addition to the borrower's income credit risk has strong requirements, but also need to be within 20 years of the age of the house, and the area is larger than 50 square meters, the house should have relatively strong liquidity.

The mortgage loan amount should not exceed 70% of the appraised value of the house, so that after submitting the relevant research information and the bank's internal examination and approval, bitcoin+mining+website the loan can be applied for a maximum of 10 million and a maximum term of 30 years.

The specific actual situation is adjusted according to the economic policy environment of the loan servicing industry in our country every year.

3. Vehicle mortgage, less pressure to repay the loan

The car mortgage is a loan where the lender applies for a car owned by an individual or a third party as collateral, and the lender can install gps positioning on the lender's car to ensure the whereabouts of the collateral.

This type of loan is primarily for short-term capital needs and requires the borrower to have stable financial resources. The interest rate on auto loans is generally low, and the borrower can get a loan amount of about 70% of the appraised value of the car, and the loan term is generally less than one year.


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Can I acquire a three-month personal loan?

Anybody above the age of 18 years and working and who has a bank account can avail the 3 month loan. There are no limitations on how the money may be utilized. The credit history of the borrower is typically not a concern for the banks. The loan for three months is insecure.

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Can I obtain a personal loan without having a job?

A co-signer with decent to excellent credit (at least 670 and stable income) might help you qualify for a loan if you have a bad credit history or no income. Make sure you can repay the bill before asking someone to co-sign for you. Your credit score and the co-credit signer's score could both suffer if you default on the loan.

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