1. What are the conditions for applying for postal micro-credit loans

What are the conditions for individuals to borrow from banks:

1. The applicant must be a natural person with full civil capacity;

2. Having a permanent residence in the town or a valid residence status requires the borrower to have a legal status;

3. Have a stable occupation and income, good credit and the ability to repay the loan principal and interest;

4. Get a credit card or a loan from our bank.

materials required for individuals to borrow from banks:

household registration book;

2, marriage certificate, divorced need to issue a certificate (indicating that you have not remarried after divorce

3, married need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. proof of the borrower's income (continuous work for half a year);

5. The loan can only be made with collateral, and the loan amount is 1/2 of the loan period.

Second, the best application

All banks are basically the same, and you can apply for it at the local bank.

Application conditions:

1. Be a Chinese mainland resident who has reached the age of 18;

2. Having a stable address and place of work or business operation;

3. Have a stable source of income;

4. There is no bad credit record, and the loan can't be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing procedures:

1. Submit an application to a local bank or lending institution;

2. All kinds of materials needed for loan preparation;

3. Face-to-face signing of banks or lending institutions;

4. The bank reviews the qualifications of the lender;

5. The loan was approved and granted successfully.

3. What are the micro-credit loans that are easy to apply for?

if you apply for a micro-credit loan from a bank, the borrower should not only have excellent qualifications, but also submit a lot of proof materials, so someone asks: what are the micro-credit loans that are good to apply for?

1. Credit card

Many people say that it is incomprehensible to link a credit card with a micro-credit loan, but in fact, a credit card is a micro-credit loan, because it has the function of "spending first, then repaying", and the issuing bank will also impose a penalty interest if the repayment is not made on time, so don't simply treat the credit card as an ordinary bank card.

Compared with bank micro-credit loans, the threshold for credit card application is much lower. Generally, as long as the applicant has a good credit record, a stable job and income, and can provide relevant certificates, he can apply, and the approval rate is high.

2. Zhaolian good-term loan

Compared with credit cards, the application difficulty of Zhaolian good-term loan has to be lowered by one grade, because according to the regulations, as long as the applicant is between 23 and 6 years old and has a stable source of income, he can apply.

3. Flower Garden

Ant Flower Garden is also a good choice for people with small capital needs. As long as you often use Alipay, you can get a certain credit line.

4. Borrowing

Although borrowing is only open to some users at present, we can't ignore its low threshold. Generally speaking, as long as your sesame credit score is above 6, you can apply.

Of course, in addition to the above-mentioned micro-credit loans, it is relatively easy to apply for JD.COM IOUs and Suning's discretionary payments. However, in the face of many loan products, it is best to "shop around" when applying, and at the same time do what you can.