To apply for personal unsecured loans in banks or other lending institutions, you need to meet the following conditions:
Chinese mainland citizens aged between 1 and 18-65;
2. China citizens with permanent residence, permanent residence (or valid residence certificate) and full capacity for civil conduct in China;
3. Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule;
4. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;
5. Abide by laws and regulations, and have no illegal acts and bad credit records.
Let's talk about the types of loans that ordinary people borrow from banks:
1. If you have a house (real estate), a car or expensive "big items" (such as machinery and equipment), or cattle (productive livestock), you can use them as collateral and apply for a mortgage loan from the bank. The amount of loan you can get is related to the value of the collateral.
2. If you own movable property such as treasury bonds, bonds and certificates of deposit, you can also pledge them to the bank to apply for pledge loans.
If you have nothing, but you can find a suitable guarantor (the requirements for the guarantor will vary according to different banks and different regions. For example, some banks require that the guarantor must be a civil servant. ), then you can apply for a secured loan from the bank without providing mortgage/pledge.
If you have no mortgage/pledge or guarantee, you can apply for a credit loan from the bank only by virtue of your personal reputation. However, compared with the first three, its review of personal credit information will be stricter and the loan amount will be lower.
The key to the success of loan: credit investigation and banking process
1. What is a credit investigation? For China people, the most critical credit certificate is the credit investigation report issued by the Credit Information Center of the People's Bank of China. This personal credit report will include five types of credit records: personal basic information, credit transaction information, public records, inquiry records, objection marks and personal statements, including loans, credit cards, social security and provident funds. Let's just say that if you want to borrow money from a bank, you must first convince the bank that you "won't default". Before establishing credit information, banks should systematically investigate everyone who comes to borrow money and even ask his relatives and friends, "Does this person always borrow money?" Is it necessary to borrow money in time? "-in short, it's very troublesome. Now, the Credit Information Center of China People's Bank will take the initiative to collect your main credit information, such as whether you have a job or not. Have you ever borrowed money before? How much did you borrow? What is the state of daily life? (Is the water and electricity paid in time? ) and so on.
When you want to borrow money from banks and financial institutions, they can directly judge your credibility through this record. So, how can we make our credit "credibility" higher? The most critical points are here: there is a need for "lending behavior", and obtaining a credit card and using it normally will improve credit information. For banks, "white households" without any loan records are not very trustworthy-after all, it is difficult to judge your character without "connections". Therefore, you can apply for a credit card, spend by credit card and repay it on time every month. This can not only prove that you have certain financial ability, but also improve your trust through long-term "borrowing and returning". Frequent small loans will reduce credit information. Contrary to credit cards, if you make small loans for many times (such as P2P and Huabai), it means that you are always "short of money" and your financial situation is worrying. If there is an overdue record, the credit information will deteriorate and it will be difficult to borrow money from the bank. So if you have borrowed money, remember to pay it back in time! Never avoid asking many questions. At the end of the credit report, the inquiry record will be specially displayed, including the time when your credit was inquired in the last two years, the operator (inquiry institution) and the inquiry reason.
General inquiries about credit information include: personal inquiry, credit card approval, guarantee qualification examination, post-loan management, loan approval, objection inquiry, etc. Among them, credit card approval, loan approval, guarantee inquiry, etc. , the inquiry record (hard inquiry) generated when users actively apply for loans or credit cards will affect your "credit". The more such inquiries, the more you intend to borrow from many institutions. You may be short of money, and your repayment ability is questionable. You may even be inquired many times because of credit risk, and your "credit" is greatly reduced. My suggestion is that the number of hard inquiries should not exceed three times in three months. The query record cannot be eliminated, and it will disappear after two years.