1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. Other conditions stipulated by the bank.

In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:

(1) Senior and middle managers and senior professional and technical personnel who are high-quality corporate customers of banks;

(2) Personal assets of more than 2 million yuan (inclusive);

(3) Having held a personal wealth management account in a bank for more than 1 year (inclusive) and the annual average deposit balance of the account is more than 200,000 yuan (inclusive);

(4) It is a personal loan customer of the bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).

Required information:

1, my valid identity document;

2. Proof of residential address (household registration book, etc. );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

According to the specific access conditions of the borrower, one of the following materials needs to be reviewed:

(1) A written certificate of the post and professional technical level issued by the personnel department of the client unit of the high-quality enterprise.

(2) Bank deposits, bonds, funds and other financial assets owned by individuals; Property certificate in the name of individual (or spouse).

Whether a guarantor is needed or not depends on personal credit information and supplement under insufficient conditions. I hope my answer can help you!