2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.
3. Have a good credit record and willingness to repay, and there shall be no overdue default.
4. It can provide legal, effective and reliable guarantees recognized by banks.
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.
6. Open a personal settlement account in a loan bank.
7. Other conditions stipulated by the bank.
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit. According to the Interim Measures for the Administration of Personal Loans:
Article 23
The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.
Article 24
The loan contract shall comply with the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the good faith commitment of all parties, the purpose of the loan funds, the payment object (scope), the payment amount, the payment conditions and the payment method.
The loan contract should be set with relevant clauses to clarify the liabilities for breach of contract that the borrower should bear when it fails to perform or slowly performs the contract.
Article 25
Lenders should establish and improve the contract management system to effectively prevent the legal risks of personal loans.
If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.
Article 26
The Lender shall standardize the guarantee process and operation according to the Property Law of People's Republic of China (PRC), the Guarantee Law of People's Republic of China (PRC) and other relevant laws and regulations.
The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral.
Personal loans secured by guarantee shall be completed by at least two loan officers.
Article 27
Lenders should strengthen the management of loan issuance, follow the principle of separation of examination and loan, set up an independent loan management department or post, and be responsible for implementing the loan conditions and issuing personal loans that meet the agreed conditions.