1, and the customer's credit information is good;
2. The balance of the provident fund account is sufficient;
3. The income meets the requirements;
4. The debt ratio should not be too high;
5. There is no provident fund loan under the name.
The process of loan:
1. loan application: the borrower applies for a loan from the local bank;
2. Credit rating evaluation: the bank evaluates the credit rating of the borrower;
3. Loan investigation: banks investigate the legitimacy, safety and profitability of borrowers;
4. Loan approval: The bank approves loans according to the loan management system that separates loan approval from grading approval;
5. Signing a contract: the bank signs a loan contract with the borrower;
6. Loan issuance: the bank issues loans on schedule according to the loan contract;
7. Post-loan inspection: the bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation;
8. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.
Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.