1. What are the loan terms?
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 loans, personal certificates of deposit (national debt) pledge loans, etc. These loans mainly apply for loans from credit loans and mortgage loans, and the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided.
2. Fold and edit the loan conditions in this paragraph
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.
3. Have a good credit record and willingness to repay, and no bad credit record.
4. It can provide legal, effective and reliable guarantees recognized by banks.
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.
6. Open a personal settlement account in China Industrial and Commercial Bank.
7. Other conditions stipulated by the bank.
Three. The bank loan process is as follows:
1, basic information of borrower and guarantor
2. The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period for applying for loans.
3, the original unreasonable occupation of loans to correct the situation
4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention.
5. Project proposal and feasibility report
6. Other relevant information deemed necessary by the Bank:
(1) Credit rating evaluation, in which credit cooperatives evaluate the credit rating of borrowers.
(2) Loan investigation, in which credit cooperatives investigate the legality, safety and profitability of borrowers.
(3) loan approval, credit cooperatives in accordance with the loan management system of loan separation and grading approval.
(4) Signing a contract, the credit cooperative and the borrower sign a loan contract.
(5) loans, credit cooperatives in accordance with the provisions of the loan contract.
(6) Post-loan inspection: The credit cooperative conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.