Many friends feel that they have never defaulted on their credit cards or overdue loans, and that they are qualified and will certainly be able to apply for personal credit loans. Actually, they are not. In addition to credit, they need to meet many conditions before they can apply. Today, I would like to introduce my friends in Zhanjiang: What are the requirements for personal credit loans in Zhanjiang? Look how much you've been through.

Zhanjiang city

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Let's look at the conditions of personal credit loans of banks:

1, age requirement: at least 18 years old;

2. Identity requirements: permanent residence or valid residence status in China;

3. Residence requirements: It is best to have a stable residence in the local area and a real estate in the local area;

4, use requirements: can not be used for housing, stock trading, gambling and other acts;

5. Occupation requirements: stable occupation and income, preferably civil servants, teachers and Fortune 500 employees;

6. Debt requirements: the monthly repayment amount of an individual/family cannot exceed 50% of the monthly income;

7. Credit requirements: There is no overdue record, and some banks have rated customers' credit and can only apply if they meet the requirements.

8. Other conditions stipulated by the lending bank.

Summary: In addition to banks, we often apply for personal credit loan channels, including loan companies and online lending platforms. The threshold of these channels is lower than that of banks, but it doesn't mean that you don't need to look at credit. Personal credit is an important evaluation standard, so everyone must pay attention to more maintenance on weekdays. Personal credit is good, and you have a stable job and residence. It is best to apply for a personal credit loan.