1。 China citizens who have reached the age of 25 and have full capacity for civil conduct;

2。 Having a fixed domicile in the place where the credit bank is located, a fixed occupation and domicile in the place where the credit bank is located, a stable source of income, and the ability to repay loans on time;

3。 Have a good credit record, and require the customer's credit record to meet the following conditions at the same time: there are no outstanding overdue loans as of the application date; Accumulated overdue records in the past year shall not exceed 2 times and each time shall not exceed 20 days;

4。 There is no bad social record, and there is no record of violation of laws and regulations in the public security, taxation, transportation and industrial and commercial administrative law enforcement departments.

People-to-people easy loan refers to the small credit or low mortgage loan issued by Minsheng Bank to qualified natural persons in a convenient and simple way, which is used to meet the urgent capital turnover needs of borrowers in comprehensive consumption and business turnover. Civil servants of state party and government organs; Formal employees of scientific research institutes, public educational institutions, public health institutions, municipal cultural institutions and other financial institutions; Formal employees of monopoly enterprises in high-quality enterprises such as telecommunications, electric power, banking, insurance, securities, railways, civil aviation, airports, tobacco and municipal utilities; Excellent talents with middle and senior professional titles or professional certification qualifications and professional skills in specific fields, including lawyers, accountants, engineers, designers, appraisers, writers, painters, entertainers, etc.; Our bank's high-quality housing mortgage and other bank housing mortgage customers; Our VIP customers and people with good historical credit records.

Bidding process:

1。 You can handle related business through branch outlets, online banking and self-service inquiry terminals.

2。 Loan process: loan application → loan investigation → loan approval → loan signing → mortgage registration and collateral insurance procedures → loan issuance.

List of information you need to provide:

1。 Valid ID: ID card or household registration book;

2。 Any proof that the applicant meets the conditions of the credit borrower, including but not limited to income certificate, work permit, professional title certificate, qualification certificate, etc. ;

3。 Proof of repayment ability of the applicant: 6-month bank reconciliation reflecting salary and other income is required; If the income is insufficient, the certificate of financial assets required by the bank; 4。 Consumer use certificate or other materials that can prove true and compliant use.

Tips:

1。 The specific loan amount shall not exceed 50% of the sum of your annual salary and other income. If your salary and other income are not enough to support the loan amount you apply for, you can use your spouse's salary and other income as the source of repayment.

2。 Loan funds shall not be used for personal production and operation or for high-risk investments such as stocks and futures; .