A person can get a loan.

Conditions for applying for personal loans:

, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Generally meet the above conditions, you can talk to the merchants.

Extended data:

Application procedure

1. Sign the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank to pay the down payment for the house purchase;

2. Handle mortgage application procedures, various fees and fill in legal documents at the application office;

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the review is unqualified, a fee will be charged;

4. Other legal procedures: mortgage registration and collateral filing;

5. Loan issuance: The bank will transfer the loan amount to the household and start mortgage issuance.

Reference personal loan

Second, two people buy a house in partnership. Can a person go to the bank for a loan?

(1) A house bought by two people in partnership cannot be lent to a bank by one person.

(2) You can apply for two real estate licenses, each with its own signature.

Housing commercial loans are:

(1) Self-operated loans issued by banks with their credit funds.

(2) Specifically, when a natural person with full capacity for civil conduct purchases an owner-occupied house in a town in this city, he applies to the bank for a commercial housing loan (mortgage loan is a kind of commercial loan) as a loan repayment guarantee with the property right house (or other guarantee methods recognized by the bank) as collateral.

(3) loan classification:

First, it is divided into short-term loans, medium-term loans and long-term loans according to the term.

Two, according to the loan method is divided into credit loans, secured loans (secured loans, mortgage loans), bill discount three.

Third, can individuals get loans?

How old is it?

Can a person get a loan?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).

Basic conditions for lightning loan application:

1, with China Merchants Bank card;

2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;

3, have the ability to repay the loan on time, no illegal behavior, good credit.

Tips:

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.

3. There are two ways to apply for a loan within the lightning loan limit:

(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.

(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.