You can apply for a loan if you have a job, but the success of the loan depends on whether the borrower meets the conditions stipulated by the lending institution.

There are many bank loan products, and different loan products have different loan requirements, but to sum up, the following conditions must be met:

1. The borrower must be at least 18 years old, have full capacity for civil conduct and be able to provide valid personal identification.

2. The borrower needs to have a permanent residence in the town.

3. The borrower must have a stable job and income, good personal credit, no record of bad behavior and the ability to repay the principal and interest of the loan.

4. Individual banks will require borrowers to apply for credit cards or loans themselves, and lenders have good credit records;

5. If you apply for mortgage loan, you need to provide assets recognized by the bank as mortgage or pledge.

Can I get a loan when I just joined the job?

Of course. You can try to apply for a loan when you just work, but the probability of passing it will be relatively low, because lending institutions generally need to check the applicant's bank flow in the past six months, and people who just work may be lacking in job stability and income level, so the success rate of loans is not high.

Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel.

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal.

Can I only borrow money to work?

Many people want to borrow money, but they don't know what the requirements are. If they only have a job, no car, no house and no other assets as collateral, can they get a loan?

Generally speaking, having a job is a necessary condition for a loan, but it may not be possible to get a loan. The bank will also examine other information of the borrower, such as the borrower's loan qualification, the borrower's age and credit information. And the specific loan amount will be determined according to the borrower's income and bank flow.

Loans generally need to have specific purposes, proof of income, etc. You need to determine the purpose of your loan first, such as whether you borrow money to buy a car or a house, or borrow money to decorate it, etc. The loan conditions required for different purposes may be different, and then you can consult the loan institutions or banks in your city for their loan conditions and information to see if you meet them.

Knowing the purpose of the loan depends on the amount of your loan. If it is small, you need an ID card and a work certificate and income certificate issued by the unit. If the amount is large, you may also need to ask the bank to issue your bank account status and capital flow. 、

If you are a civil servant or an employee of a public institution, it is generally easier to get a loan. It is basically possible to apply only for jobs. If it is a large sum, it should be based on your specific situation and bank regulations.

I 18 years old or above. I want to borrow 20 thousand to buy a motorcycle. Work in a factory. Can you handle it?

If you need to apply for a cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply.

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. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.

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

(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.

(2)t 1 day loan. Within T 1 day, there will be a phone call from the nuclear power plant to verify and arrange the loan after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

(2) 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.