The main requirements for a personal loan of 500,000 yuan are as follows:

1. The Lender has a fixed residence in China, a permanent residence in the local town (or a valid residence certificate), and is a citizen of China with full capacity for civil conduct.

2. Lenders need to have a legal occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule.

3. The lender's unit must be approved by the borrower.

4. The lender has no illegal acts and bad credit records.

5. The existing assets of the lender shall reach more than 30% of the total capital demand.

6. Meet other requirements of personal loan banks.

Credit loan refers to the loan issued by the borrower's credit. Generally, you only need information such as identity certificate, income certificate and work unit information, and you don't need any collateral.

Bank loans will be evaluated according to personal credit and income. If there is a high repayment ability and no other loans, the general amount will not be too low. However, if the personal credit situation and income situation are average, then the loan amount is generally not too high or even unqualified.

First of all, to apply for a personal credit loan, you need to meet the following conditions.

1. The borrower needs to be a China citizen with full capacity for civil conduct, with a fixed residence and proof of residence, and the age range should be 18-60 years old. Some lending institutions will require him to be 22-55 years old.

2. The borrower must have a legal and stable job and income certificate, have certain economic ability, and be able to repay the loan principal and interest on schedule.

3. The borrower needs to provide the bank flow for nearly half a year, including salary flow, personal income tax payment, consumption in and out of accounts, online banking, transfer, telephone recharge, etc.

4. The borrower must have a good personal credit record, and there shall be no overdue behavior for three consecutive months or six times in the past two years. There shall be no more than one outstanding loan in its name, and there shall not be too many personal credit inquiry records.

Second, the basic process of personal credit loans

1. The borrower chooses a bank and understands the loan policies, requirements and interest rates of each bank;

2. After selecting a bank, prepare various loan materials according to the requirements of the account manager;

3. During the handling period, keep in touch with the account manager at any time to understand the handling situation and cooperate to solve the problem;

4. Sign the loan contract and complete the loan procedures;

5. After the loan is successfully issued and used, it will be repaid in time as agreed.

Three, the classification of personal credit loans

Monthly loan:

Monthly loan is a credit loan based on the multiple of the borrower's existing loan (mortgage loan flow), and it can also be said that it is a loan product for the homeowner to repay the mortgage loan.

It should be noted that monthly mortgage is different from real estate mortgage. Real estate mortgage requires both husband and wife to come forward together. Real estate belongs to common property, and both husband and wife should check the credit information. In the monthly loan supply, whoever reflects the mortgage loan in the credit report can apply.

If the borrower is qualified, he can provide his monthly payment and apply for a loan according to the monthly payment. How much can I apply for? You can refer to the following criteria:

The monthly loan supply is suitable for the needs of the following groups:

1. has a monthly payment (all houses in the country can use it). If you don't want to repay the mortgage, married people can apply independently.

2. The loan amount shall not exceed 500,000.

3. There is a mortgage, only a purchase contract, and the house can be applied before it has come down; If the mortgage has been settled, as long as 1 year is not settled, you can apply, and the amount is approved at 45 times.

Policy loan:

The policy loan comes from the cash value of the policy. Only insurance with cash value, such as life insurance, dividend insurance and traditional critical illness insurance, can apply for policy loans. In the process of policy loan, the growth of interest and cash value of the policy is not affected.

To apply for a policy loan, you need to meet the following requirements:

1. The premium is not paid in one lump sum (that is, the premium is paid on time, but not in one lump sum);

2. There is no record of reinstatement (the paid time cannot exceed 70 days from the expiration time);

3. You can apply within 2 months after payment;

4.2 The insured cannot be changed during the year.