Criminal records cannot be checked for bank loans.

People with criminal records and whether they can get a loan are two different things and have no direct relationship. Bank loans are based on credit information, not criminal issues. Banks will not obtain it through judicial agencies. Criminal record, if you want to get a loan, you will not be required to have proof of criminal record. As long as your credit report is passable and the conditions are met, you can get a loan. When a criminal suspect gets a loan, the bank has no right to check your criminal record. It only checks your personal credit report. As long as your credit record is intact, you can get a loan.

Bank loans are an economic act in which the state distributes funds to people who need loans at a certain interest rate based on certain policies and agrees to repay them within a certain period of time. Basically, these loans only need to provide guarantees , you can apply if you have proof of house mortgage income and good credit.

We all know that more and more people are taking loans to buy houses and cars, and bank loan business has become the new favorite of the times. It can be said that it is still a little difficult to successfully obtain a loan from a bank, but as long as according to. If the loan conditions given by the bank meet the loan conditions, the loan can be successfully obtained.

So what is the specific loan situation? 1. First of all, we can use the provident fund to get a loan from the bank. If the provident fund is not enough, we can use a commercial loan. This can save a lot of information. The repayment methods of commercial loans are also different. The repayments are the same every month. There are also gradually decreasing repayments. Just choose according to your actual situation. 2. When applying for a loan from a bank, you need to submit a lot of materials, mainly including the lender's application form, ID card, unit income certificate, household register, marriage certificate, single certificate, provident fund storage card, personal credit report, credit report, and house property rights. Invoices for the down payment, etc. If a certificate is issued, it must be stamped by the unit. It is best to put these materials in a file bag. Submit it to the bank and it will be easier to get a loan.

After completing all these procedures, you will get the repayment. The bank card for the loan will require fixed monthly repayments, and the bank card will be filled with the amount that should be repaid each month. It will automatically deduct the payment on the day of deduction. If the payment is not made on time, it will be overdue. If it is overdue, it will affect your personal credit report, so you must repay on time.