1. When applying for a loan quota, you must give due consideration to your personal and family financial situation and financial habits. In general, the monthly repayment limit should not exceed 50% of the total household income.
2. Maintain a good credit history. personal loan hong kong A bad credit history will directly affect the operability of the loan and may even be rejected by the bank.
3. To provide a real personal data information to the bank when the loan is developed.
4. Loan applicants should have a stable source of income, the willingness and ability to repay, should provide proof of unit wages, bank statements, etc., to the company or individual operators to provide information to explain the operating conditions.
Provide bank statements, physical assets (e.g. real estate), 4g wifi financial assets (e.g. bank certificates of deposit, treasury bonds, etc.).
(5) Specify the purpose of the loan, and provide the bank with documents related to the purchase of real estate, production and operation turnover, renovation, etc.
6. If you want to apply for a mortgage, the house must have a complete set of three certificates, bitcoin+mining+websiteand also to repay the balance of the loan. If the house is mortgaged in the bank, the house can also be a second mortgage in the case of outstanding balance.
7. The procedure for applying for a corporate loan should be legal, the transaction should be real and reliable data, and the customer resource manager who is working in the bank should be chosen to handle the loan company business.
8. According to your own situation, choose a loan business variety, loan term, repayment management method, etc. that suits you;
When signing a labor contract or agreement, you should read the terms and conditions and know your rights and obligations in order to protect your rights; keep the contract, agreement, IOUs and other information properly.
9. Make repayment information in a timely manner to avoid bad credit history.