Common loan types and loan conditions

1. Application conditions of unsecured individuals

China citizens aged 1 or above.

2. Have a stable job or operate an industry with great market potential and good returns, and ensure the ability to repay the principal and interest in the later period.

3. Good credit, no excessive overdue or malicious default.

This man has no criminal record.

5. Other conditions stipulated by the bank.

Second, personal consumption loan application conditions

1. Natural persons have civil capacity, and the loan period is generally not more than 55 years old;

2, the city's permanent residence and effective residence loan amount;

3. Have legal and stable economic income and good credit and loan service capabilities;

4. Have a clear intention of consumption or have signed relevant consumption contracts;

5. It can provide the security recognized by the lender.

Three, personal business loan application conditions

1, aged over 25 and under 55, with fixed business premises, fixed residence or valid residence certificate;

2. The borrower and its business entities have good credit, and there are no illegal acts and bad credit records;

3. It has a stable income source and the ability to repay the principal and interest on schedule, and the business entity operates stably;

4. Other loan conditions stipulated by relevant banks.

What are the conditions for a bank loan?

Bank loan terms:

The lender has a stable occupation and income, and the lender has the ability to repay the loan principal and interest on time. The actual age of the lender plus the loan application period shall not exceed 70 years old.

Loan conditions refer to the conditions that borrowers or individuals should have to borrow from banks. The current loan conditions of Chinese banks are:

(1) An enterprise established with the approval of the competent department and holding a business license issued by the administrative department for industry and commerce at or above the county level, and a product with a production license for industrial products implemented by the state shall obtain a production license, that is, the loan object is legal;

(2) independent economic accounting, with capital utilization, production and operation management, that is, the loan object has obtained legal person status and assumed clear economic responsibilities;

(3) Have a certain amount of self-owned liquidity and establish a liquidity supplementary system, that is, the loan object should have the ability to operate normally and take risks;

(4) Open an account in a bank and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of the bank.

What are the conditions for a bank loan?

Bank loans can solve many economic pressures for property buyers. But there are many conditions and procedures for applying for a loan. What are the conditions for a bank loan? You can have a look if you want to know.

What are the conditions for a bank loan?

1. The lender must be a natural person who has reached the age of 18 and has full capacity for civil conduct and responsibility, and must have a permanent residence in the town; 2. Have stable income, repayment ability and good credit; 3. The applicant must have its own funds accounting for 20% of the total purchase price; 4. The purchased house is not within the scope; 5. The Lender agrees to use the purchased house as collateral.

How do individuals apply for bank loans?

1. Apply for a loan from the bank.

The borrower first applies for a loan from the bank, and specifies the loan amount, loan purpose and loan term.

2. Submit loan application materials to the bank.

Then, the lender needs to submit the house ownership certificate, household registration book, marital status and other related documents to the bank for review. If the borrower uses other people's property for mortgage loan, then the lender and the owner need to go to the bank for written procedures.

3. The bank will evaluate the value of the house.

The bank will evaluate the value of the house. Generally, houses in urban areas can be evaluated on the same day at the earliest, and the completion time is directly proportional to the distance between houses.

4. Bank approval

After the borrower submits the certificate and the bank completes the house evaluation, the bank will examine and approve it. The examination and approval contents mainly include: house value, borrower's income, assets, liabilities, etc. If it meets the conditions of bank loans, the bank will approve it.

5. Notarize the loan contract

After the loan is approved, the lender also needs to fill in the loan contract and other related documents, and sign it with a fingerprint, which will be notarized by a notary.

6. Banks shall go through mortgage registration procedures.

After these steps are completed, after signing the loan contract, the bank will go through the mortgage registration formalities at the property right office with the real estate license and the loan contract. This step is complicated and takes a long time, which is also the key to affect the speed of lending.

7. Bank loans

Finally, the borrower opens a repayment account and waits for the loan.