Through bank loans, in addition to the requirements of the borrower's credit, the bank will also review the borrower's repayment ability. Repayment ability generally comes from personal income. Under normal circumstances, it is easier for borrowers to obtain bank loans if their monthly income is twice or more than the monthly repayment amount. If you have too much debt and insufficient repayment ability, it will be more difficult to get bank loans. Of course, if you have good credit and repayment ability, even if you have too much debt, it is not a problem. So we can't generalize, we should look at our own actual situation.

First, if you have the repayment ability, you can handle it.

From a practical point of view, the basic conditions for loans are:

1. Chinese mainland residents, under the age of 60;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. There is no bad credit record, and the purpose of the loan cannot be used for stock trading and gambling;

5. Have full capacity for civil conduct.

Second, nine common misunderstandings in choosing online loans:

1. The bigger the platform, the better. It is not that the bigger the platform, the better. Sometimes it's just an empty shell

2. The platform will be safe after a long operation time. Long platform operation time is a signboard, but it may also be a trap.

3. Low interest rate is safer than high interest rate. This is not necessarily, mainly depends on the operation of the platform.

4. A popular platform is a good platform. This may be exaggerated, so be careful.

5. The mode of the platform is the most important. The current platform operation mode is roughly the same, and it is important to look at the risk control.

6. Believe in the commitment of the platform to protect capital and interest.

7. Trust the inspection of the platform too much.

8. Too much trust in external analysis and recommendation.

9. National policy protection. At present, there is no special policy protection.

10. Can't distinguish between investment and speculation.

There are too many online loans, and money is urgently needed. Where can I borrow it?

Third, those who meet the bank loan conditions can go to the bank.

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Four, bank loans need conditions:

1. For those who have reached the age of 18 and have full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificates, the age of the lender required for bank loans is generally between 18-60 years old;

2. Have a stable legal income and the ability to repay interest;

3. Other conditions required by the lending bank.

Verb (abbreviation of verb) The procedure of handling unsecured loans is usually divided into three steps:

1. The customer submits basic information, including work unit and contact telephone number.

2. The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

3. The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.

Six, credit card loans to buy a car matters needing attention

1. The down payment for car purchase cannot be paid by credit card;

2. If repayment is to be made in installments in advance, the handling fee will not be refunded;

3. Vehicles purchased by credit card in installments must be insured against vehicle theft and vehicle loss, and the insurance period is consistent with the installment period.

4. Consumers should be careful of traps when handling car loans, especially pay attention to zero down payment, low interest rate and other concessions. In order to publicize their performance, some intermediaries will "make up for the losses" by raising the car price and increasing the handling fee.

According to the regulations of the bank, the lender should deposit the principal and interest repaid in installments into the settlement account in advance, otherwise the bank will charge a certain late fee.

6. If funds permit, car buyers can consider repaying the loan in advance. With the increase of car buyers' income, if you have the ability to repay the loan in advance, you can consider repaying the loan in whole or in part in advance, so that you can get back the mortgage invoice and other car purchase procedures as soon as possible, become a real "car owner", make full use of the family's surplus funds and realize scientific financial management.