2. The main qualification of the loan applicant shall meet the loan conditions;
3. The loan purpose of the loan applicant must be clear and legal;
4. The loan applicant must have good credit and no bad loans.
1, loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money for interest. By lending money and monetary funds, banks can meet the social demand for supplementary funds, expand reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. Interest refers to the remuneration paid by the borrower to the lender for obtaining the right to use funds. It is the use price of funds in a certain period of time (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal.
2. The bank's loan interest rate is calculated by computer according to personal credit information, income, work and other data. In the case that other circumstances cannot be changed, you can only keep the credit information and try to return the credit card on time to avoid overdue. Although the central bank has liberalized the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate. The specific increase varies from line to line. Therefore, if you want to get the lowest bank loan interest rate, you must "shop around" and then choose the bank with the lowest interest rate.
3. The rules and measures for interest-bearing settlement of deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should report to the branches of the People's Bank of China and the central branch of the provincial capital city for the record and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate interest-bearing settlement rules and methods for deposit and loan business, and report them to the branches of the People's Bank of China and the central branch of the provincial capital city for the record, and the rural credit cooperatives as legal persons shall notify customers.
Operating environment: Qiannongyun v 1.9.2.