1. Lender who has reached the age of 18, has full capacity for civil conduct, and has permanent residence for urban residents or legal and valid identification. For bank loans, the age of the lender is generally between 18-60.
2 have a stable legal income and the ability to repay interest.
3. Other conditions required by the lending bank.
I. Overview of loans
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second, the principle of sex
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1. Loan security is the primary problem faced by commercial banks.
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time.
3. Efficiency is the basis of sustainable operation of banks.
If long-term loans are issued, the interest rate is higher than that of short-term loans, and the benefits will be good. However, if the loan term is longer, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Third, student loans.
As a leading consumer credit information service enterprise in China, Li Rong. Com is the only enterprise in China that has launched MBA student loan program. It provides a bridge loan for MBA freshmen, which can help students easily solve the tuition problem. MBA freshmen can apply for low-interest student loans ranging from10-200,000 yuan with the admission notice. If the monthly interest rate is even as low as 0.7%, it is lower than the bank credit card installment. After entering school with the student loan provided by Li Rong. Com, MBA students can apply to the school for a national student loan with a low interest rate, and then use the national low-interest loan to repay the tuition bridge funds in one lump sum. In this way, as long as the borrower indicates the interest after service when applying, he can apply for a student loan in this form before entering school. The best application period is six months. Generally, the national student loan applied for in September will not be approved until February of the following year. In this way, MBA freshmen don't have to worry about the high tuition fees at one time, and they can easily complete their studies through student loans.