产品—贷贷卡、意贷

　 贷贷卡

　前期资料：身份证、营业执照、租赁合同、水电费证明、房产证、银行流水（有开通网银）。

　授信额度0-100万元人民币

　具体额度根据客户的结算及信用状况确定，可循环授信期限

　额度期限10年，单笔期限最长不超过3个月

　利率固定日利率，日利率:万分之

　贷款用途用于申请人实际控制经营主体的日常经营之用

　还款及付息方式

　按日计息，随借随还；每月付息，单笔到期还本

　根据客户的资金需求情况随时支用、随时还款

　50万元以下由客户自主支付，

　50万元以上采用受托支付方式

　担保方式个人信用

　三、贷款额度认定标准

　“贷贷平安”信用贷款额度认定分为两个阶段。

　第一阶段：主动授信：可以根据客户月银行流水收入或在园区内的年缴纳租金额作为首次贷款额度的认定依据。

　1、银行流水收入的认定：

　1)提供经核实的园区管理方或第三方（如：POS收单机构数据）提供的6个月借款人经营收入平均值。

　2)完成贷款申请的客户，需在我行开立POS机。

　2、年缴纳租金额度认定：（以下三种情况人选两种可作为认定依据）

　1)客户提供与园区方的租赁协议

　2)园区方提供近三个月的平均租金数据

　3)评估公司对店铺地址租金水平评估。

　第二阶段：常规额度调整和临时性额度调增

　1、常规额度调整是指对客户首次审批的额度上限进行重新审批。调整频率一年一次。

　常规额度调整所必须的前提条件：1)已在我行取得“贷贷平安”卡

　2)近12个月内至少1次用款记录

　3)本息偿付情况良好，无逾期

　4)最近三个月我行流水结算量需要超过客户此三个月销售额的50%

　2、临时性额度调整是指满足客户突发性额度调整需求，在限额内临时调高客户贷款上限，所调高的额度期限为3个月。临时性额度调增的前提条件：

　1)必须由客户提出调整申请

　2)客户本息偿付情况良好，无逾期

　3)最近三个月我行流水结算量需要超过客户此三个月销售额的50%

　基本申请资料：

　本人身份证件（原件及复印件）

　配偶（如有）身份证件（复印件）

　婚姻证明：户口本和结婚证（原件及复印件）

　本人及/或配偶名下的房产证（复印件）

　自营企业营业执照、代码证、税务登记证、开户许可证（复印件）

　家庭或自营企业主要银行结算账户3个月以上流水

　以上是20万额度

　提供以下资料，您将可能获得更高金额授信额度：

　子女户口本或出生证、就读学校学生证或校牌 +5

　本人及/或配偶名下多套房产证明（复印件） +5

　在我行有存款或管理总资产（如有） +5

　在我行开立基本账户（如有） +5

　5. 办公地址租赁合同原件、最近六个月银行交租流水 +一年的租金（最高50万）

　新一贷——平安银行

　房贷月供贷：年龄25~55岁；有房屋按揭或抵押贷款（已贷6个月以上，异地房也可以）；可贷额度为月供的30~60倍，最高50万；利率：自雇人士：月息1.89% 综合利率：1.07%

　50万三年期月供19271.57

　受薪人士：月息1.69% 综合利率：0.95%

　50万三年期月供18653.2

　30万三年期月供11191.92

　车贷月供贷：年龄25~55岁；车贷已供满12月以上，或结清未满半年，要求是深圳户口；可贷额度为月供的45倍，最高50万；利率：利率：自雇人士：月息1.89% 综合利率：1.07%

　50万三年期月供19271.57

　受薪人士：月息1.69% 综合利率：0.95%

　50万三年期月供18653.2

　30万三年期月供11191.92

　公积金贷：年龄25~55岁；已在本市连续按时足额缴存住房公积金满12月，且申请时属于正常缴存状态，缴存基数不低于4000元；可贷款额度为缴存基数的24倍，最高30万。利率：月息1.49% 综合利率：0.83%

　30万三年期月供10827.67

　上班族工薪贷：年龄25~55岁；单位工作6个月，银行代发工资5000元以上；可贷款额度为月工资8~12倍，最高30万。利率：标准受薪人士：月息1.69% 综合利率：0.95%；30万三年期月供11191.92。

　优质职业：月息1.49% 综合利率：0.83%；30万三年期月供10827.67。

　华润银行——新存易贷需提供的资料 存易贷需要的资料：

　营业执照正、副本复印件，税务登记证正、副本复印件，主营业务简介，公司章程复印件，企业简介，组织机构代码证正、副本复印件，开户许可证复印件，公司征信授权书，借款人身份证复印件，户口本复印件，配偶身份证复印件，借款人居住证明，借款人婚姻证明复印件（已婚），借款人个人资产证明（房产证复印件，购房合同复印件，汽车行驶证复印件，股票清单等），借款人征信授权书，贷款卡复印件，银行流水清单原件（必须满足一年），网银截评，近12个月纳税申报表，近12个月主营业务贸易合同／订单／发货单，公司的租凭合同，工资单，五个上下游名单，贷款用途的相关合同或其他证明文件件。

　 （借款人如需提供担保人的还需提供担保人的身份证、经营证明、收入证明、征信授权书，房产证，征信授权书）。

　备注：流水必须打印满一年，不然无法计算。以上资料，属于个人资料的需要其本人签字；属于公司提供的复印件，需要盖公司公章，乐竞盖公章，其余盖骑缝章。

　条件：注册时间满三年。

　开票半年300W。

　征信一年不能有三。

　额度：150W

　还款方式等额本息。

　月利率1.3-2.05.综合0.7-1.0

　放款时间2-3个礼拜

　渣打银行纯信用贷！ 可做1年期限

　亦可 房产抵押，必须深房

　包商银行 房产抵押贷款

　抵押倍数：1.5倍

　100万元以下

　7厘

　如做7成以上利息8—9厘

　5个工作日审批 2个星期出款

　优势：不存在额度问题，可大可小

　劣势：利息不低，流程较复杂，但所要求资料清单客户均可提供

　光大信用卡

　准备资料：

　房产证、社保卡、收入证明、身份证、购房发票或者合同、到网点办理。

　南粤银行

　额度 50万

　等额本息

　利息：1.07

　大额500万对公纯信用贷款资料清单：——短拆

　企业资料：

　1、公司工商营业执照、税务登记证（国.地税）、组织机构代码证.清晰复印件（正.副本）；

　2、公司章程、验资报告、贷款卡、审计报告复印件；

　3、对公开户许可证、公司贷款卡信息；

　4、近12个月所有对公帐户银行流水对帐单（可以提供Excel电子文档）；

　5、近三个月员工工资单；

　6、?办公场所租凭合同、近三个月租金收据、水电费单据复印件；

　7、近一年纳税申报表、完税证明复印件；

　8、最近1年实际销售收入统计分月汇总表及主要销售合同；

　9、近三个月的应收、应付帐款清单；

　10、上一年度和近三个月资产负债表、损益表；

　11、企业名下所有房产证，借款合同、抵押合同复印件（xx银行x百万贷款）；

　12、机器设备清单及其发票；

　13、库存清单；

　14、近两年珠宝行业资质、荣誉证书或专利证书。

　15，企业简介。

　16，老板简历。

　二、个人资料：

　1、夫妻双方身份证、户口本、结婚证清晰复印件；

　2、住址的近三个月的水电费单据；

　3、近12个月个人帐户银行流水（可以提供Excel电子文档）；

　4、夫妻双方名下所有的房产证复印件，房产抵押借款合同及借款合同复印件；

　5、其他资产证明，车辆行驶证、有价证券等。

　Is team-oriented and team building. Persisting in democratic centralism, improve the level of team science decision, a democratic decision. Strengthening the concept of collective leadership, by collective discussions and decisions on major issues. 5 years, between members of the team did Frank, equal treatment, mutual trust, mutual support and form a innovation-oriented, democratic solidarity and diligent people, honest type of four good teams. Second, focus on the transformation of work style. Requires team members to actively think, active officers to organize work, active inspection work, initiative, by the Office and of the primary station and village (community), and make sure regardless of Division of labor and mutual support, mutual Help and complement each other, understand each other, improve leadership skills of managing. Third party organizations are weak and lax, strengthening regulation (community) party organizations and cadres, improve service levels, and enhance team effectiveness.

　The work style of the party members and cadres in the whole town has been further changes. 2. the cadres, and improve the overall quality of party members and cadres. First, grasp the cadres team construction. Cadres of the new and improved the regulation, the town village appraisal methods, training of party members and other 8 work, effectively promote the work, put an end to the previous shuffle, prevarication is not responsible for the phenomenon. Second, strengthening the construction of grassroots party organizations and party members. Catch the party branch Secretary of team-building, improving overall quality. Healthy village (community) cadre appointment system. Perfect village

　Is team-oriented and team building. Persisting in democratic centralism, improve the level of team science decision, a democratic decision. Strengthening the concept of collective leadership, by collective discussions and decisions on major issues. 5 years, between members of the team did Frank, equal treatment, mutual trust, mutual support and form a innovation-oriented, democratic solidarity and diligent people, honest type of four good teams. Second, focus on the transformation of work style. Requires team members to actively think, active officers to organize work, active inspection work, initiative, by the Office and of the primary station and village (community), and make sure regardless of Division of labor and mutual support, mutual Help and complement each other, understand each other, improve leadership skills of managing. Third party organizations are weak and lax, strengthening regulation (community) party organizations and cadres, improve service levels, and enhance team effectiveness.

　The work style of the party members and cadres in the whole town has been further changes. 2. the cadres, and improve the overall quality of party members and cadres. First, grasp the cadres team construction. Cadres of the new and improved the regulation, the town village appraisal methods, training of party members and other 8 work, effectively promote the work, put an end to the previous shuffle, prevarication is not responsible for the phenomenon. Second, strengthening the construction of grassroots party organizations and party members. Catch the party branch Secretary of team-building, improving overall quality. Healthy village (community) cadre appointment system. Perfect village

　Is team-oriented and team building. Persisting in democratic centralism, improve the level of team science decision, a democratic decision. Strengthening the concept of collective leadership, by collective discussions and decisions on major issues. 5 years, between members of the team did Frank, equal treatment, mutual trust, mutual support and form a innovation-oriented, democratic solidarity and diligent people, honest type of four good teams. Second, focus on the transformation of work style. Requires team members to actively think, active officers to organize work, active inspection work, initiative, by the Office and of the primary station and village (community), and make sure regardless of Division of labor and mutual support, mutual Help and complement each other, understand each other, improve leadership skills of managing. Third party organizations are weak and lax, strengthening regulation (community) party organizations and cadres, improve service levels, and enhance team effectiveness.

　The work style of the party members and cadres in the whole town has been further changes. 2. the cadres, and improve the overall quality of party members and cadres. First, grasp the cadres team construction. Cadres of the new and improved the regulation, the town village appraisal methods, training of party members and other 8 work, effectively promote the work, put an end to the previous shuffle, prevarication is not responsible for the phenomenon. Second, strengthening the construction of grassroots party organizations and party members. Catch the party branch Secretary of team-building, improving overall quality. Healthy village (community) cadre appointment system. Perfect village