(1) At least 18 years old means that an individual has reached adulthood and has full capacity for civil conduct, and should meet the basic conditions of both banks and lending institutions. There are two common ways to obtain loans, bank loans and online loans. ② Bank loan process: 1. Lenders apply for loans from banks. 2. Credit rating evaluation: Credit cooperatives evaluate the credit rating of borrowers. 3. Loan investigation: Credit cooperatives investigate the legitimacy, safety and profitability of borrowers. 4, loan approval, credit cooperatives in accordance with the loan approval and grading approval of the loan management system for loan approval. 5, sign a contract, credit cooperatives and borrowers to sign a loan contract. 6. After the loan is issued, the credit cooperative shall issue the loan on schedule in accordance with the loan contract. 7. Post-loan inspection: the credit cooperatives track, investigate and inspect the borrower's performance of the loan contract and the borrower's operation. 8. Repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time. ③ Online loan process: (Take Anyihua as an example) 1. The borrower logs on to the online loan platform, enters the application page, fills in personal name, ID number, address, contact number, loan amount, loan purpose and other information according to the prompt, reads the loan, signs and agrees, and submits the loan application. 2. The platform reviews the information submitted by customers, and evaluates the credit status of customers through big data and typhoon control (some loan platforms are connected to the central bank's credit information system, and customers need to sign personal credit information business authorization). At the time of application, the platform will review the customer's credit status through credit reporting). 3. After the platform is approved, release the audit results. If it passes, the platform will lend money to the account designated by the borrower. When the loan arrives, the platform will send an information notice. Customers can use the loan as soon as it arrives. Of course, if the audit fails, the system will also inform the customer. The specific process steps of different online loan products may also be different. For example, in the process of online loan review, the borrower will be called to conduct electronic review, and some questions will be asked to see if the content answered by the borrower is consistent with the information filled in, so as to confirm the authenticity of the information provided by the customer. : ① The basic conditions for applying for personal bank loans are as follows: 1. At least 18 years old, with full capacity for civil conduct, valid residence and identity documents, and no criminal record; 2, have a stable legal income and proof, and have the ability to repay interest; 3. When the loan business needs a down payment, it has the ability to pay the full down payment; 4. If the personal loan amount is large, it is necessary to meet the mortgage conditions required by the bank; 5. Applying for a credit loan requires a good reputation; There are no overdue records and debt records, and excessive debts can easily lead to the failure of applying for bank loans; 6. Other conditions meeting the requirements of the bank. Bank loan is the most common way, and various materials need to be submitted for bank loan. Generally speaking, borrowers need to have good repayment ability and good credit. The basic conditions for applying for personal online loan are as follows: 1, the borrower himself 18 years old or above; 2. The borrower has full capacity for civil conduct; 3. The borrower has good credit and no bad credit record. Operating environment: vivos 6pd.1962.a.15.43, Anyihua version 3.4.6 1.
2. How can I get a loan if I just turned 18 years old?
Students who go to school or are going to borrow money to go to school can borrow money without interest and check with the bank. The loan company seems to have a high interest rate. But you have to be able to repay (I don't know if it is true). You didn't say anything. How can I bring it? It is said that the national policy requires a fixed income (job).
Third, why can't I get a loan just after 18?
Most loan products require applicants to be at least 18 years old, but this is only one of the conditions. Users must meet other loan conditions at the same time before they can pass the loan review. So I just turned 18 years old, but I can't get a loan, mostly because the user doesn't meet other loan conditions. Even if all of them meet the loan conditions, the audit results of the lending institutions shall prevail.
If the user can't apply for a loan product, he might as well apply for another one. Different loan products have different application conditions.