Loans to banks are divided into personal loans and corporate loans, with different requirements, as follows:
Personal bank loan conditions:
1, must be a natural person with full capacity for civil conduct.
2. Have permanent residence and valid residence status.
3, to have a stable professional income, good credit, the ability to repay the principal and interest.
4. Personal credit information is spotless, and the loan credit from the bank is good.
5. Work certificate issued by the user's work unit.
Enterprise loan conditions:
1. Enterprises must be approved and registered by the administrative department for industry and commerce.
2, to have a fixed place of business, the implementation of independent accounting, self financing, independent operation, independent civil liability enterprises.
3. Improve the financial accounting system, provide business statements and statistical statements to banks.
4. Operate according to law, abide by national laws, and use loans for industries permitted and encouraged by national policies; Enterprises should provide some enterprise information.
What are the terms of the loan?
1. What are the conditions for a bank loan?
1. The applicant must be a natural person with full civil capacity.
2. Having urban permanent residence or valid residence status requires the borrower to have legal status.
3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.
4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records.
5. Some also require providing assets recognized by the bank as collateral or pledge, or taking units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the loan principal and interest and bear joint and several liabilities.
Two, the borrower to apply for personal credit loans to the bank, you need to fill in a written application form, and submit the following information:
1, my valid identity document;
2. Proof of residential address (household registration book, etc.). );
3. Personal professional certificate;
4. Proof of income of the loan applicant and his family members;
5. Other information stipulated by the bank.
The loan process is that you submit your personal loan demand and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant, arranges a special person to contact the loan applicant, and if the contact person passes the preliminary review, instructs the loan applicant to provide the required materials, then conducts an audit, and finally reaches the loan.
Extended data:
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. 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.