Is the threshold high for applying for a Standard Chartered cash loan 20

I think I already replied to you in another question.

First of all, you need to make sure that you are in one of the 10 cities where Standard Chartered Bank is promoting cash loan business. Beijing, Shanghai, Shenzhen, Guangzhou, Suzhou, Nanjing, Tianjin, Hangzhou, Chongqing and Chengdu.

If you don't work in these 10 cities, you can't apply 100 percent.

If you can submit the "proof of income, personal income tax bill, and bank payroll record" mentioned in one of these ten cities, plus the certificate of permanent residence, you will definitely be able to approve it.

However, it may be difficult to get a quota of 100,000 yuan. From what I've learned about cash loans, the approved amount is generally three to seven times your salary. In other words, you can get 3-70,000 yuan for your application.

In fact, if you are sure that you want to apply for a cash loan, you can first fill out a cash loan registration form.

Standard Chartered's financial advisor will contact you at your designated time to answer your questions and learn more before deciding whether to apply. Filling out the registration form doesn't mean you have to apply.

However, I would like to remind you that the current loan fee standard is not low, and before you decide to apply, please fully understand the fees and clarify the overall amount you need to return, which is the best policy.

Standard Chartered Bank Modernist generally has an annual interest rate of account management fee (monthly) which is the total amount of the loan, if you plan to borrow 50,000 yuan and repay it in 2 years, then you will repay it in equal installments over 24 months from the next month of the loan, similar to the installment repayment of a credit card.

In terms of interest rate, as far as I know, there can be a discount, generally 20% off, the lowest 6% off; The unit you work for is a well-known enterprise, such as a Fortune 500 or listed company, your monthly income is best to reach 6,000 before tax, and the minimum cannot be less than 4,000, otherwise the loan is less than 50,000, and the total amount of the loan can be calculated according to 11 to 14 times of your income, and the following four documents need to be submitted: 1. ID card, 2. Temporary residence permit or residence permit (local account to submit household registration book), 3. Bank statement for more than half a year (bank card used to pay salary, stamped with bank seal), 4. A certificate of income issued by the employer or a contract with a specific figure of salary. After submission, if the information is okay, it can be done within 2 days.

2 years later, in addition to repaying 50,000 yuan, how much more money will you have? Calculated like this: (50000*.) The specific repayment schedule of the bank shall prevail.

Is it appropriate to pay off the credit card every month, or is it appropriate to take out a Standard Chartered loan? Personally, I think that if you have to pay 50,000 at a time, you still take out a loan, after all, the cost of withdrawing cash from a credit card is still relatively high, and the interest will be calculated on the same day, 5/10,000 per day, and the interest for a month is 750. Of course, there are also those who use credit cards to cash out, because it is not legal, it is recommended to be cautious.

It is recommended that you call ** to the bank for consultation, so that it is clearer.

The application conditions for Standard Chartered Bank's cash loan are as follows:- 60 years old, with Chinese nationality (excluding residents of Hong Kong, Macao and Taiwan);

2. Have a stable career and income

He lives and works in Shanghai, Beijing, Shenzhen, Guangzhou, Xiamen, Suzhou, Chongqing, and Chengdu.

The monthly income before tax is greater than or equal to RMB 5,000 (salary payment is in the form of bank transfer) 3. Have worked in the current unit for 3 months;

This loan is not suitable for the following groups**: individual industrial and commercial households, private owners.

Standard Chartered Bank is now able to borrow efficiently, but at a higher interest rate. If you can accept the high interest rate of the scum, the Standard Chartered Bank will be okay with the cash loan.

The current loan is an unsecured personal loan launched by Standard Chartered Bank, which can be approved in 1 day at the earliest, with a loan amount of up to 500,000 yuan and a loan term of up to 5 years. The monthly interest rate of the loan can be as low as 1%, and the more you borrow, the lower the interest rate. However, the probability of rejection of the loan is also very high, you can call ** to consult.

Standard Chartered Bank Cash Loan is a personal consumption loan launched by Standard Chartered Bank, which is an unsecured credit loan.

The details do not require any mortgage on the property and do not require any other person to guarantee it.

The application process is simple and fast, and the loan can be disbursed within 1 working day at the earliest from the date when the loan application materials are complete.

The loan amount can be up to 500,000.

Freedom of choice for up to five years.

Flexible quota management and enjoy the "loan top-up" function.

More flexibility in cash management.

Eligibility. Age requirement: 22-60 years old;

Income requirement: monthly income after tax of more than 4,000 yuan;

Working experience: 3 months in the current unit;

Work location: Work and live in Beijing, Shanghai, Shenzhen, Guangzhou, Suzhou provident fund requirements: need to pay local provident fund or social security for 3 consecutive months;

Industry requirements: Individually-owned businesses and private owners are not accepted to apply for the time being.

Information is required. Identification document: Chinese resident ID card.

Proof of residential address: financial product statement (e.g. credit card) or utility bill or household registration book for any month in the past three months; Non-municipal household registration is required to provide a residence permit or temporary residence permit (not applicable to Shenzhen area for the time being).

Proof of income: Your bank payroll record (e.g. passbook) and personal income tax bills for the past three months or income certificates or salary slips issued by the company (monthly income after tax is not less than RMB 4,000).

It depends on how much your mortgage is per month, in addition to this repayment, there are no other repayment costs, if all are more than 60,000 per month, there are not too many repayment costs, a loan of 400,000 is no problem, because the amount of Standard Chartered is 10 15 times your monthly income, and the condition is to have a tax bill, identity certificate, unit income certificate, and temporary residence permit for those in other places, I am from Beijing, although I may not be able to do you, but there are other questions that can still help you answer, I hope it will be useful to you. (If you don't have much debt, that's okay, you can call the relevant loan ****, or just contact their loan officer directly).

1. ID card;

2. Proof of income: such as the statement of the salary bank card in the last three months, the certificate of individual income tax payment, etc.;

3. Work certificate: If it can prove that you are an employee of a large enterprise or a civil servant, it will be helpful for your application;

4. Property certificate: for example, if the house is good, the property certificate, the car driving license, etc., providing the property certificate will help increase the loan amount;

5. Quiet proof of use: the bank will ask you about the purpose of the loan, and ask you to provide an invoice for consumption after the loan is disbursed;

Keep in mind that Standard Chartered's modernist products, in addition to the loan interest rate, also require you to pay an account management fee, which is about 14% per annum, don't ignore it.

Hope it helps!

Standard Chartered Bank's cash loan "cash loan" launched in five major cities in China, with a maximum loan amount of 500,000 yuan and a minimum loan amount of 8,000 yuan; The maximum loan term is 5 years and the minimum is 6 months. Consumers only need to have a stable occupation and income, without any guarantee or collateral, to apply to Standard Chartered Bank.

As long as you have used a credit card.

Good credit has a job.

You can take out a loan.