1, medical loan application conditions
Lenders need to have a good personal credit record and willingness to repay, and there must be no bad overdue record in any financial institution. The lender cannot have any criminal record. The lender has a legitimate occupation and a stable source of income, and has the ability to repay the loan on schedule.
Lenders can provide guarantees, mortgages or bank-approved mortgages. Lenders need to meet other loan conditions stipulated by banks.
2, medical loan application amount
Generally speaking, the specific amount that the lender can apply for needs to be determined according to the mortgage, guarantee or pledge provided. Generally speaking, due to the high risk of medical loans, but the special circumstances, lenders can basically apply for a loan amount worth about 80%. The shortest loan period of medical loan is 6 months and the longest is 3 years.
In addition, we need to remind everyone that the personal medical loan funds should be used for the medical expenses of the borrower or the borrower's parents to treat major diseases in other designated medical institutions within the scope of medical insurance, including: outpatient medical expenses; Hospitalization medical expenses; Other expenses for hospitalization. Among them, outpatient expenses and hospitalization expenses include medicine expenses, treatment expenses, examination expenses, materials expenses, etc.