Conditions and procedures for individuals to apply for credit loans:

1. Have a proper occupation and a stable income source (the monthly salary income must be above 1000 yuan), and have the ability to repay the loan principal and interest on schedule.

2. The borrower's unit must be an administrative, enterprise or institution recognized by the bank and having a good cooperative relationship with the bank, and the bank will pay wages on its behalf.

3. Abide by the law, and have no illegal acts and bad records.

4. Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account.

5. Other conditions stipulated by the bank. The loan is recommended to Mo Long, and the audience is people over 25-55 who need large loans, as well as non-online loan groups, such as Bai Hua and Xiaoman. There are many product choices to meet diversified needs.

Loan process:

1. The borrower submits the following information to the bank:

(1) loan application approval form.

(2) my valid identity certificate and a copy.

(3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months).

(4) proof of occupation and income (original and photocopy of work certificate; Banks issue wage passbooks, etc. ).

(5) Effective contact information and telephone number.

(6) Personal settlement account voucher opened in China Industrial and Commercial Bank.

(seven) other information required by the bank.

2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract.

3. The bank issues loans to borrowers through transfer.

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee.

For more information about the loan, please consult Moore Long. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.

How to handle credit loans, look at these strategies.

Now loans have been accepted by the public, especially young people, who live in a very stressful society and need to spend money everywhere. Many times there will be some lack of money, and at this time, loans will be chosen to solve this problem. Of course, now loans have become very convenient and fast, and you can apply for loans online. Then, how to handle the credit loan? Let's give you a detailed introduction.

Credit loans are based on personal credit. As long as you maintain and have good personal credit, you can get a certain amount of unsecured loans, and you can enjoy more preferential services for customers who meet the conditions of specific access to customers. The ways to apply for credit loans are:

1. Bank outlet: When the applicant applies for a credit loan at the counter of a nearby bank outlet with his ID card and photocopy, property certificate, marriage certificate, etc. Generally, banks will review the submitted materials and issue loans after approval.

The process of formal bank handling is as follows: first, the borrower needs to submit a series of materials to the bank except the ID card, including (1) loan application approval form; (2) proof of residential address; (3) proof of occupation and income, as well as other information stipulated by the bank. Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract. Finally, the bank issues loans to borrowers through transfer.

2. Online Banking: Applicants can log in to the online banking of a bank, find a credit loan in the personal loan column of official website, and click Apply.

Third, online lending platforms: There are many online lending platforms in the market. These online lending platforms have lower application thresholds, easier approval and faster payment. Usually it can be received on the same day, so many friends will choose to apply through the online loan platform when they need to borrow money. However, we should also remind everyone here that when choosing an online lending platform to apply for a loan, we must keep our eyes open and choose a formal and reliable platform to borrow money, so as not to fall into the trap of a liar. In the end, you can't get the money, but you lose money.

After reading the above related introduction, I believe everyone has a certain understanding of how to handle credit loans! Credit loan is actually a kind of loan behavior guaranteed by personal credit. Usually you can apply in the bank, but the application process of the bank is relatively complicated and there are many conditions to be met. Many online lending platforms can also apply for credit loans. In addition, whether you apply for a credit loan online or in a bank, you must repay it in time according to the loan date. Overdue behavior will cause overdue fees and will have an impact on personal credit reporting.

How to borrow personal credit loans?

First, the person who needs a loan fills in the application form at the bank, and then provides relevant materials according to the requirements of the bank, mainly including identity certificate, residence certificate, income certificate, business procedures and so on. After receiving the materials provided by customers, banks will review them one by one, and check the authenticity and completeness of the documents against the types of loans applied for.

Second, the bank conducts credit evaluation and relevant investigation on the applicant according to the review, and confirms the loan purpose and repayment ability of the applicant as well as the previous credit status. After these preparations are completed, the bank will begin to examine and approve loan applications, and both parties will have to implement the necessary restrictions one by one.

Third, finally, after the two parties sign a formal loan contract, the applicant can receive the loan funds for disposal.

Legal basis:

Article 11 of the Interim Measures for the Administration of Personal Loans

Personal loan application shall meet the following conditions:

(a) the borrower is a citizen of People's Republic of China (PRC) 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.

Article 12

The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.

How to make a credit loan

Requirements for bank loans:

(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

Extended data:

Credit refers to the form of value movement on the condition of repayment and interest payment. It usually includes credit activities such as bank deposits and loans. In a narrow sense, it only refers to bank loans, which is the same as "credit" in a broad sense. Credit is an important form of paid mobilization and allocation of funds in socialist countries and a powerful lever for economic development.

Credit is the borrowing behavior between different owners that reflects a certain economic relationship. It is a special form of value movement on the condition of repayment. It is a credit activity in which creditors lend money and debtors repay and pay certain interest on time. (gain income by transferring the right to use funds). Credit can be divided into broad sense and narrow sense. Credit in a broad sense refers to the general name of credit activities with banks as the intermediary and deposits and loans as the main body, including deposits, loans and settlement business. Credit in a narrow sense usually refers to bank loans, that is, the issuance of monetary funds with banks as the main body.

hypothesis

From a practical point of view, the basic conditions for banks to issue credit loans are:

First, if the credit rating of enterprise customers is above AA- (inclusive), credit loans can be issued after approval by provincial branches of state-owned commercial banks;

Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable;

Third, the enterprise promises not to mortgage (pledge) its effective operating assets or provide external guarantees, or obtain the consent of the lending bank before handling the mortgage (pledge) and providing external guarantees;

Fourth, the operation and management are standardized, and there are no bad credit records such as evading debts and defaulting on interest.

application area

Enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and meet the conditions stipulated by the General Rules for Loans and banks.

Credit principle

1. The principle of security means that banks should minimize and avoid the risks and losses of credit funds in the process of operating credit business.

2. Liquidity principle refers to the principle that commercial banks can recover loan funds within a predetermined period or quickly convert credit into cash without loss.

3. The principle of profitability refers to the rational use of funds, improve the efficiency of the use of credit funds, maximize profits, and strive to achieve the unity of the bank's own economic and social benefits.

How to borrow personal credit loans?

Procedures for handling personal credit loans

1. The borrower submits the following information to the bank:

Approval form for loan application;

My valid identity certificate and photocopy;

Proof of residential address (household registration book or receipt of rent, water fee, electricity fee and gas fee for the last 3 months);

Proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );

Effective contact information and telephone number;

Personal settlement account voucher opened in China Industrial and Commercial Bank;

Other information required by the bank.

Necessary conditions for personal credit loans

The age is in the range of 20-60 years old (the age of individual products has dropped to 18 years old);

Hold a valid ID card;

No bad credit record;

Have a fixed work certificate and have been working in the current work unit for 3-6 months;

Proof of income stamped with the financial seal of the unit;

Other financial certificates, such as real estate, cars, stocks, bonds, etc. ;

Social endowment insurance certificate;

Provide two contacts.

You must meet the first five necessary conditions before you can apply for a personal credit loan. Small personal credit loans are generally 1 to 3 years, and some can be loaned for 5 years.

Personal credit loan process

The general personal credit loan procedure has three steps. The first step is to submit the application, the second step is the bank's approval, and the third step is to withdraw money for consumption.

Determine the loan demand and choose the loan type according to your own needs;

Choose a lending institution, understand the loan policy, application conditions and loan interest rate of the institution you choose, and avoid future loan troubles;

After selecting the loan institution, prepare all the materials needed for the loan according to the requirements of the staff;

During the handling period, keep in touch with the lending institutions at any time to let them know about the handling situation, and if there are any problems, they can cooperate in time to solve them;

Sign a loan contract and complete a series of procedures;

Wait for the loan funds to be released, and repay on time according to the repayment method agreed in the contract;

Finally: many people want to apply for a loan, but they don't know where to start. I don't know about this, but if your credit information is good, this method can make your loan interest more. Credit inquiry is absolutely indispensable. The inquiry of credit information is another key factor besides personal credit.

In order to avoid non-payment of debts, users need to choose credit loan products that are suitable for them and cost-effective. In the process of application, users must know the nature and situation of the loan, how much money they can borrow with their own qualifications, and whether the interest is within their tolerance. Never overdue after the loan, otherwise the consequences will be very serious.