Personal loans include: personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, personal large deposit certificates (government bonds) pledge loans, etc. These loans mainly apply for loans from credit loans and mortgage loans, and the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided.

Bank loan requirements:

(1) Urban permanent residents who have full capacity for civil conduct and are under the age of 65, or have legal and valid residence identity cards when they reach the age of 18 next year.

(2) pay the down payment;

(3) have a stable legal income and the ability to repay interest;

(4) When a property buyer applies for a loan, he should have free funds of not less than 30% of the purchase price.

(5) The borrower agrees to use the purchased house and its rights and interests as collateral;

(6) The purchased second-hand house has clear property rights and meets the requirements for entering the real estate market stipulated by the local government;

(7) The purchased house is not within the scope of the demolition announcement.

(8) Other conditions required by the lending bank.

Loan amount: materials to be submitted when applying for a loan. The loan applicant applies to the bank, fills in the application form in writing, and submits the following materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, and permanent residence certificate;

3. Proof of marital status;

4. Proof of income or personal assets;

Consequences of not repaying the loan:

1. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will sue the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (auction collateral after deducting the deposit, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

2. Credit information will be affected and recorded in the national bank credit information system, and loans under personal names will also be recorded as overdue loans in the national personal credit information system. If the lending bank does not eliminate the records, it may not be able to obtain loans from all banks in the future.

3. If you are not maliciously defaulting on the bank loan and you are able to pay the interest on the normal loan, I suggest that you apply to the loan bank for an extension of the loan first, stating your willingness to repay, the fact that you have not paid the loan for the time being and the plan for future repayment. Under normal circumstances, the bank will provide help.