Nowadays, social pressure is very high, and people often encounter times when they are in urgent need of money. If ordinary office workers do not have enough savings, they may not be able to cope with the shortage of money. Nowadays, bank loan products are rich and diverse, and many of them can even be paid out on the same day. Today, Mr. Xicai will briefly introduce it. If you are very short of money, you may wish to consider a bank loan, and you can get it soon.
1. Bank credit loan application conditions
1. The applicant is a Chinese citizen with full capacity for civil conduct;
2. The applicant has a fixed source of income and a stable career, with the ability to repay the principal and interest of the loan on time;
3. The applicant has good personal credit, and has no bad records such as late repayment;
4. The applicant has legal qualifications Valid proof of identity, and can provide valid proof of residence;
5. The applicant meets other loan conditions of the bank.
The loan application conditions of each bank are slightly different. You need to go to the bank branch for consultation. In short, as long as your personal credit report is good and you have business dealings with the bank, the chance of successfully placing the loan is relatively high. .
2. Bank credit loan application materials
1. Valid identity certificate, household register and marriage status certificate of the individual, including certificates of singleness, marriage, divorce and remarriage;
2. Proof of personal income, it is best to provide proof of personal workplace and social security payment certificate;
3. Collateral is required to apply for a mortgage loan, and collateral is required to guarantee a loan. and a valid guarantor.
In short, it is very convenient to apply for loans from banks now. Mortgage-guaranteed loans, credit loans, credit card installments, etc. can be applied for. Some products can be applied directly in mobile banking, while others need to bring application materials to the bank. As long as Once the review is approved, it will usually be successfully credited within a few working days.