China citizens with full capacity for civil conduct who have a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place; Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on time;

Application materials:

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

The conditions of bank microfinance generally include the following:

1. China citizens with full civil capacity who have a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place;

2. Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;

3. There is no bad credit record, and the loan cannot be used for stock trading, house purchase, gambling and other behaviors;

4. Other bank microfinance conditions stipulated by the lender. ?

Processing flow:

The process of handling bank microfinance mainly includes the following steps:

First, the borrower applies to the bank outlets that provide small loans.

When applying, the borrower should bring his ID card and other relevant information, and if he is a merchant, he should also bring his business license.

Second, the bank will investigate the lender after receiving the lender's application. The bank mainly examines the personal credit status and personal income status of the lender to decide whether to lend money.

Third, after investigation and approval by the bank, sign a loan contract with the bank. ? Fourth, banks lend money, and lenders get loans smoothly.