1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

4. The borrower's actual age and loan application period shall not exceed 70 years old.

Second, apply for bank loan materials

1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificates, including academic credentials, other real estate, bank running water, certificates of deposit, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

Bank loan category

I. Personal credit loans

The bank requires the borrower to have a second-generation ID card, proof of stable work, proof of income, proof of loan use and good personal credit status; There are also certain restrictions on the income of borrowers. The average borrower's monthly income is not less than 4000 yuan. Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.

Second, housing mortgage loan.

In addition to the strong requirements for the income and credit of the lender, the service life of the house should be within 20 years, the house area should be more than 50 square meters, and the house has strong liquidity. The general mortgage loan amount does not exceed 70% of the appraised value of the house, and the maximum amount of loan you can apply for is 654.38+0.5 million, and the longest period is 20 years.

Third, college students' entrepreneurial loans

College students' entrepreneurial loans require college students to have a college degree or above within two years of graduation, and 18 years of age or older. They only need to submit their student ID cards, transcripts, statements and other materials to the bank, and they can get loans after approval.

Fourth, self-employed loans.

You must have full capacity for civil conduct, have a local hukou, a fixed local business place, a stable income, and be able to provide legal collateral. You can open a deposit account in a loan bank and submit the information required by the bank for review.

Verb (abbreviation of verb) housing mortgage loan

Have a valid ID card and proof of marital status, a good credit record, repayment willingness and stable income, a commercial housing sales contract or letter of intent for the purchased house, the ability to pay the down payment for the purchased house, and open a personal settlement account in the bank with effective guarantee. Just submit the application materials to the bank, and the bank will review and decide whether to lend money.

Baidu encyclopedia-bank loan

Baidu encyclopedia-loan