The loan requirements of ordinary banks are: at least 18 -60 years old, with full capacity for civil conduct and China nationality; Have a stable occupation, high economic income and strong repayment ability; Having a legal and valid identity certificate and a residence certificate of the place where the loan bank is located, and having a fixed residence for half a year; Good credit status, no bad credit record. There is no uniform provision for this requirement, because some banks have high requirements and some banks have low requirements. According to Bian Xiao, many friends have no credit history. Is this a good credit record? No credit record is officially interpreted as a credit blank account. According to the survey, many institutions do not accept credit blank households. So everyone must understand the requirements of lending institutions.

Followed by the application materials, the application materials mainly include:

1. Provide personal identification information of the borrower, including ID card, residence permit, household registration book, marriage certificate and other information. If you are unmarried, you don't need to provide a marriage certificate, but some banks don't accept unmarried people to apply for loans;

2. Provide proof of address, such as rental contract, including utilities, property management and other related certificates;

3. Provide proof of economic income, such as semi-annual bank statement or on-the-job labor contract.

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