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.
Information required for bank loan:
1. The borrower's valid ID card and household registration book.
2. The marital status of the borrower proves that the married person provides a marriage certificate, the unmarried person provides an unmarried certificate, and the divorced person provides a divorce certificate.
3. The borrower's income certificate, bank statement or tax payment certificate are all acceptable.
5. If collateral is needed for the loan, proof of the rights of the collateral must be provided.
Bank loan procedures:
The borrower submits an application, and the borrower applies for a loan at an offline bank outlet, fills in a written application form and submits all the information required by the bank.
Before conducting a loan investigation, the bank will review the information submitted by the borrower, mainly to check whether the information submitted by the borrower is true and whether the borrower has the repayment ability.
The borrower signs a contract with the borrower, signs a loan contract after approval, and handles relevant notarization and pledge procedures as appropriate.
After the bank issues the loan and completes all formalities, the bank will transfer the loan to the designated account according to the contract.
Repayment on schedule, the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract.
Loan settlement, including normal settlement and early settlement.