Usually, as long as all the materials are prepared and approved by the bank, everyone can apply for a loan. However, in some special circumstances, it is impossible to handle loan business. For example, the borrower once had the situation that loans overdue didn't pay it back, and the borrower's credit rating was very low, and the credit report was particularly poor. These people can't handle the loan business. There are still some borrowers who have not reached the legal age of the country. Generally speaking, the person who handles the loan business must be at least 18 years old, have a formal job and have a high income. Borrowers who are under age and do not have full capacity for civil conduct cannot apply for loan business. A bank loan contract refers to a loan contract with a bank or other financial institution as the lender, also known as a loan contract, a loan contract or a credit contract. It is a contract between banks or other financial institutions and borrowers (also known as lenders or borrowers), that is, banks or financial institutions lend funds to borrowers for use, and borrowers repay the loans and pay interest within the prescribed time limit. 1. Bank personal loan conditions: 1. China citizens with full capacity for civil conduct and foreign citizens with the right of abode in Chinese mainland; 2. Pay the down payment (not less than 30% of the total purchase price); 3. Have a stable economic income and the ability to repay the loan principal and interest; 4. Agree to use the purchased property as loan collateral. (1) The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral; (2) Having a long-term and stable income source, which is sufficient to pay the monthly loan principal and interest; (3) guarantor; (4) Information provided: ID card, household registration book, proof of marital status, income certificate, property title certificate, ID card, household registration book, proof of marital status and other relevant information required by the bank. You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee. Second, the process of handling bank personal loans For bank personal loans, in fact, the process of handling bank personal loans is similar, which is roughly divided into seven steps: step one, the borrower applies for a loan from the bank and submits the information needed for the loan; The second step, the bank accepts the loan and conducts examination and approval to see if it meets the loan conditions; Step 3: After approval, the borrower signs a loan contract with the bank. Contracts include guarantee contracts, mortgage contracts, etc. Step 4, after signing the contract, go through the mortgage registration procedures; Step 5, the bank issues loans to borrowers; Step 6, the borrower repays in full and on time; Step 7: After the loan is settled, go through the mortgage cancellation procedures. However, different banks and loans of different nature have different approval time and loan term, which shall be subject to bank regulations! In practice, the loan interest rates of different banks are different, so the calculated loan interest rates are different. This is what you should pay attention to when you apply for a personal loan from the bank. Before applying for a loan, you can compare the loan interest rates of various banks and choose a lower bank to apply for a loan.

Second, how to get an inclusive loan from ICBC?

You can go directly to the service outlets of ICBC and initiate an application with the counter staff. Then, if you meet the requirements, fill in the corresponding form and apply for a loan.

1, with a valid passport or other valid identification) and proof of marital status;

2. Have a valid household registration certificate or a valid residence certificate.

3. Have a good credit record and willingness to repay;

4. Have the ability to repay the loan principal and interest in full and on time. The ratio of the borrower's monthly expenditure to income of this loan is controlled below 50% (inclusive), and the ratio of monthly expenditure to income of all debts is controlled at 55% (inclusive).

5, with commercial housing sales (pre-sale) contract or purchase letter of intent;

6. Other conditions stipulated by the lending bank shall be subject to the audit results of the lending bank.

Chairman Yi of ICBC is not only the embodiment of the overall service origin of commercial banks, but also the direction of strategic transformation. Inclusive finance should not do it, but how to do it.

In recent years, ICBC has actively changed its concept, improved its mechanism, and sank its focus, initially forming a micro-finance development model with ICBC characteristics.

If banks want to develop, they should only serve individuals well, not just let them deposit or lend, but more importantly, let them lend. Of course, the lender is also a lender to those who need it, and it is useless to mention it to those who don't need it.

However, in today's society, people want to live a better life instead of buying cars, houses and things that belong to them. Therefore, they will borrow endlessly through various channels, aiming at so many platforms to avoid some platforms deceiving themselves. Therefore, many people still prefer some loan services of banks, which are more reliable. Therefore, banks will launch a series of loan products for people to use.

Third, can anyone borrow from the bank Pratt & Whitney e-station loan?

No, it still has the conditions to lend. Its application conditions are as follows:

1. Applicants must be People's Republic of China (PRC) residents, Hong Kong, Macao and Taiwan residents who have lived continuously for 1 year or more, and foreigners.

2. Have a stable job and income, be able to repay in full and on time, and have a strong desire to repay.

3. Personal credit is good and credit information is spotless.

4. Be able to submit relevant application materials to Bank of Communications, including identity certificate, marriage certificate, etc.

4. Can anyone apply for a loan (homework help)?

Generally, it is 15-20 working days!