Loan Money

What should I do if my personal loan is listed as a concern

Personal loans are listed as concerns by banks. According to the small investment of the gold investment loan, the focus is on the five-category classification of credit, which is normal, concern, secondary, suspicious, and loss.

Only secondary, suspicious and loss are non-performing loans.

Personal loan object and conditions

A loan object:

1. Citizens with full civil capacity and overseas and foreign citizens who have the right of abode in the mainland;

2. Pay the first purchase price (not less than 30% of the total purchase price) %);

3. Have a stable economy and the ability to repay the principal and interest of the loan;

4. Agree to use the purchased property as the mortgage for the loan.

Second, the following conditions are met:

1. Hold a legal household registration book (not limited to this), an ID card or business license, a legal representative certificate or a legal residence permit, a passport, and a commercial house designated by the developer at the purchase bank;

2 Open a deposit account in the bank, the balance of the deposit is not less than 30% of the amount of the house to be purchased;

3. Have a valid purchase contract, agreement and other supporting documents;

4. Agree to the housing property under the purchase contract Mortgage;

5. Willing to fulfill all the terms of the loan contract;

6. Other conditions stipulated by the bank.

Three documents to be issued and provided:

1. Original and photocopy of the resident ID card;

2. Original and photocopy of the house subscription book;

3. Original and copy of the payment for the first phase of the house;

4. Monthly supply Proof of ability, including: personal and family certificates, certificates of deposit (passbook or other securities).

What should I do if my personal loan is listed as a concern
Personal loans are listed as concerns by banks. According to the small investment of the gold investment loan, the focus is on the five-category classification of credit, which is normal, concern, secondary, suspicious, and loss. Only secon

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