Personal loans are roughly divided into personal real estate loans, personal automobile consumption loans, personal bulk consumer goods loans and personal micro-credit loans, and different bank loans have different requirements. Generally speaking, personal loans need to meet the following basic conditions:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2 have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs the down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.
Handling process-China Construction Bank
1. loan application: the customer fills in and submits the application form and application materials specified by CCB.
2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
3. Loan approval: CCB will approve the loan.
4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Customer repayment: the customer repays the loan on time as agreed.
7. loan settlement.
Basic terms-China Construction Bank
1. loan purpose: it is used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland.
2. Loan targets: China natural persons with full capacity for civil conduct and overseas natural persons with the right of abode in Chinese mainland.
3. Loan amount: The maximum amount is 70% of the total price or evaluation value of the house purchased (constructed or overhauled).
4. Loan term: the longest is 30 years.
5. Loan interest rate: It shall be implemented in accordance with the relevant regulations of the People's Bank of China.
6. Repayment method: entrusted deduction and counter repayment.
7. Repayment method: If the loan term is within 65,438+0 years (including 65,438+0 years), the repayment method of one-time repayment of principal and interest shall be implemented; If the loan term exceeds 1 year, the method of equal principal and interest and average capital repayment can be adopted.
8. Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , you can use one or more loan guarantees.
9, apply for a loan should be submitted to the information:
(1) ID card;
(2) Proof of the borrower's repayment ability;
(3) Legal and effective purchase (construction or overhaul) contracts, agreements or (and) other approval documents;
(4) proof of down payment;
(5) loan guarantee materials;
(6) Other documents and materials required by the lending bank.