Extended data:
I. Requirements for bank loans:
1, age 18, with full capacity for civil conduct.
2. There are legal and valid identity certificates and marital status certificates (marriage certificate, divorce certificate, single certificate).
3. Have a valid household registration certificate or a valid residence certificate.
4. Have a good credit record and willingness to repay.
5. Have the ability to repay the loan principal and interest in full and on time, and have a stable legal income source.
6. Open a personal settlement account in the bank.
7. Other conditions stipulated by the bank.
The above are the basic conditions for bank loans. There are many bank loan products, and different loan products have different loan conditions. The borrower needs to determine the loan product or loan purpose before going to the bank.
Personal loans include personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit consumption loans, personal pledge loans and so on.
Two. Conditions and methods of bank loans:
1, pure credit loan
At present, the popular loan method mainly relies on personal reputation to borrow money from banks. The amount of this kind of loan is generally not high. If there are other assets to assist, the amount may increase a little.
Just like applying for a credit loan, these factors can give you extra points: work unit (civil servants, teachers, doctors, executives of large enterprises, etc. ), with strong assets in the bank and many business contacts with the bank, you have the opportunity to apply for a relatively high amount of credit loans.
2. Guaranteed loan
If your personal qualification is not up to standard, you can try to find a third-party guarantor to provide you with guarantee services. This kind of loan has a relatively high amount of funds, but it has high requirements for the guarantor. For example, it is generally difficult to meet the requirements of bank liquidity, credit and assets. Even if the conditions are met, the amount will not be too high.
3. Mortgage loan
You have real estate, shops, fixed assets, etc. In your name. If you meet the requirements of the bank, you can apply for a mortgage loan. This is the best way to get a large loan. Most banks have similar business. It is recommended to consult directly at the bank outlets.