1. The main conditions of personal loan are as follows.
1. The lender needs to be a China citizen with a permanent residence in China, a permanent residence in the local town and full capacity for civil conduct;
2. The lender needs to have a good job, a fair and stable income, and the ability to repay the loan principal and interest on schedule;
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3. Abide by the law and have no illegal acts and bad credit records;
4. Obtaining a personal credit rating above Grade A in the loan bank;
5. Open a personal settlement account in a loan bank;
6. Other conditions stipulated by the bank.
In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:
(1) is the middle and senior managers and senior professional technicians of high-quality corporate customers of banks;
(2) The individual's own assets are more than 2 million yuan (inclusive);
(3) Peony Platinum Card customers;
(4) Having held the personal wealth management account of the Bank for more than 1 year (inclusive), and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);
(5) As a personal loan customer of the loan bank, the loan amount is more than 500,000 yuan (inclusive), and there is no record of default repayment for more than 2 years.
Personal loans need to meet many conditions, and it is impossible to write them all down at once. But consumers need to know as much as possible, at least when they need this knowledge, they will not be at a loss and cause some irreparable consequences.
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Second, the benefits of bank loans?
Compared with other lending platforms, bank loans are more reliable and convenient. As long as the bank loan meets the requirements of the bank and the materials are basically handed in, the bank will lend money in a short time. Moreover, the bank's loan interest rate is also relatively low, and the loan period is also very long, up to 30 years, which is beneficial to the people. Not only buying a house, but now many people choose to borrow money from the bank when decorating and buying a car. Everyone thinks that bank loans are the most convenient way.
Because bank loans fundamentally solve the difficulty of raising a large amount of funds in a short period of time, and the bank's interest rate is low, you can choose to invest even if you have funds in your hand. There is no need to pay in full and lose your own interests. And now it is more and more convenient for banks to borrow money, and it doesn't take much time. In addition, bank loans are repaid monthly, and basic families can repay them on time. However, it should be noted that after the bank loan, it must be returned on time. If it is overdue, the consequences will be unimaginable.