People with criminal records can apply for personal loans, but the review is strict, and they can lend as long as they meet the loan conditions.

At present, the personal credit information system established by the People's Bank of China can only query personal basic identity information and credit transaction records, but cannot reflect the criminal records of loan applicants. Public security organs with this resource are not open to providing inquiry services to banks.

Banks cannot confirm whether the loan applicant has a criminal record when approving and issuing loans, and it is difficult to take targeted preventive measures. In fact, a loan is a review of loan repayment. As long as it meets the loan conditions, it can be lent, and it is not directly related to whether there is a criminal record.

Conditions for applying for loan business:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Other conditions stipulated by the bank.

2. Can I get a loan with a criminal record?

loan

Can people with criminal records get loans?

You can apply for a personal loan, but the review is strict, and you can lend as long as you meet the loan conditions. At present, the personal credit information system established by the People's Bank of China can only query personal basic identity information and credit transaction records, but cannot reflect the criminal records of loan applicants. Public security organs with this resource are not open to providing inquiry services to banks. Banks cannot confirm whether the loan applicant has a criminal record when approving and issuing loans, and it is difficult to take targeted preventive measures. In fact, a loan is a review of loan repayment. As long as it meets the loan conditions, it can be lent, and it is not directly related to whether there is a criminal record. The procedures for individuals to apply for bank loans are as follows: 1. Prepare materials. Individuals should first prepare the materials needed to borrow from the bank: including loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (if the customer has a spouse, the spouse's ID card and household registration book should also be provided). If it is a mortgage customer, it is necessary to issue a certificate of property rights of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record. 2. apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Loan review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and the fees charged. 4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register the mortgage in the bank for future inquiry. 5. Bank loans. After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

I have a criminal record. Can I get a loan with a real estate license?

The loan has nothing to do with your criminal record. Provide your own income certificate, real estate license, household registration book, ID card and marriage certificate, and go to the lending institution to handle two problems!