For 18 years of age or older, credit cooperatives need to provide the following basic information when handling loans: Original and photocopy of legal and valid ID card, household registration book and Jinsui Huinong card; Information about the collateral or guarantor, except those that meet the conditions of credit loan; Other information required by the lender.
What are the terms of the loan?
To apply for a loan, you need to meet the following conditions:
1. The party concerned is a person with full capacity for civil conduct;
2. The purpose of the loan is clear and legal;
3. The loan requirements are reasonable;
4. Have the willingness and ability to repay;
5. The credit status is good, and there is no major bad credit record.
What is the procedure for applying for a bank loan?
The process of applying for a bank loan is as follows:
1, ready to go through the relevant formalities. The procedures to be submitted for general loans mainly include loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials. If it is a mortgage customer, it is necessary to issue a certificate of property rights of the collateral; If it is a customer with unsecured loans, it is necessary to provide a good credit record;
2. Apply to the bank. After the customer prepares the relevant materials, he can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties;
3. The bank should approve the loan before. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit is unqualified, the bank will return the relevant information of the customer and explain the situation to the customer;
4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer also needs to go to the relevant department to register the mortgage for future inquiry;
5. Bank loans. After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.
Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state.
What are the requirements for individual lenders?
Conditions required by the lender: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable.
Article 11 of the Interim Measures for Personal Loans
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
What are the conditions for an individual to apply for a bank loan?
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.
Requirements of the Borrower:
1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
Information to be provided by the borrower:
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Extended data:
According to the Interim Measures for the Administration of Personal Loans:
Article 23
The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.
Article 24
The loan contract shall comply with the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the parties' commitment to good faith, the purpose of the loan funds, the payment object (scope), the payment amount, payment conditions and payment methods.
The loan contract should be set with relevant clauses to clarify the liabilities for breach of contract that the borrower should bear when it fails to perform or slowly performs the contract.
Article 25
Lenders should establish and improve the contract management system to effectively prevent the legal risks of personal loans.
If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.
Article 26
The Lender shall standardize the guarantee process and operation according to the Property Law of People's Republic of China (PRC), the Guarantee Law of People's Republic of China (PRC) and other relevant laws and regulations.
The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral.
Personal loans secured by guarantee shall be completed by at least two loan officers.
Article 27
Lenders should strengthen the management of loan issuance, follow the principle of separation of examination and loan, set up an independent loan management department or post, and be responsible for implementing the loan conditions and issuing personal loans that meet the agreed conditions.