Loan application conditions:
1, if you want to have a fixed income, it depends on the salary details;
2. At least 18-65 years old;
3 loans for business or car purchase, there must be a guarantor and mortgage;
4. Good credit information.
Loan application materials:
1. Lender ID card;
2. The credit information of the lender in the past six months, and the credit information is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);
5. Income certificate issued by the lender's work unit;
6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.
If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.
2. What are the conditions for a loan in a rural commercial bank?
1. Just provide the real estate license for the mortgage loan. After evaluation, you can borrow up to 70% of the house value;
2. If there is no real estate mortgage, you can apply for a small credit loan.
Conditions for personal small loans of banks:
1. China citizens with full civil capacity who have a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place;
2. Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;
3. There is no bad credit record, and the purpose of the loan cannot be used for house purchase, stock trading, gambling and other behaviors;
As long as you meet the application conditions of personal microfinance and provide ID card, proof of stable address and proof of stable income source, you can handle microfinance business.
3. How to handle personal credit loans of rural commercial banks?
Step 1: Loan application
The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
1. Basic information of the borrower and guarantor;
2, the financial department or accounting (audit) firm approved the financial report of the previous year, and the financial report before applying for a loan;
3, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant documents that the guarantor agrees to guarantee intention;
5. Project proposal and feasibility report;
6. Other relevant materials deemed necessary by the lender.
Step 2: Evaluate the borrower's credit rating.
The borrower's credit rating should be evaluated according to factors such as the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department.
Step 3: Loan investigation
After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.
Step 4: Loan approval
Lenders should establish a loan management system with separate approval at different levels. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, and put forward opinions and reports according to the prescribed authority.
Step 1: Loan application
The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
1. Basic information of the borrower and guarantor;
2, the financial department or accounting (audit) firm approved the financial report of the previous year, and the financial report before applying for a loan;
3, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant documents that the guarantor agrees to guarantee intention;
5. Project proposal and feasibility report;
6. Other relevant materials deemed necessary by the lender.
Step 2: Evaluate the borrower's credit rating.
The borrower's credit rating should be evaluated according to factors such as the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department.
Step 3: Loan investigation
After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.
Step 4: Loan approval
Lenders should establish a loan management system with separate approval at different levels. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority.
Extended data:
Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. When banks apply for personal loans, banks have requirements on the use of loan funds.
The general bank will stipulate that the loan applicant shall not use the loan funds in the production, operation and investment fields explicitly prohibited by the CBRC, and the borrower shall provide proof or statement on the use of the funds.
References:
Sogou Encyclopedia _ Personal Credit Loan
4. What are the procedures for rural commercial bank loans?
1. Original and photocopy of the borrower's valid identity certificate (in which the borrower's age must meet the basic conditions of 18-65 years old); Local permanent residence or valid proof of residence: e799be5baa6e997aee7ad943133431356633; Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.
2. Pledge, list of collateral and ownership certificate required for the borrower to obtain the amount of pledge and mortgage, as well as written documents of the owner and the real estate agreeing to pledge and mortgage; The Guarantor agrees to provide the written documents of the guarantee and the guarantor's credit certificate required by the borrower to obtain the guarantee amount (not required if it is a credit loan).
3. Collateral evaluation report issued by the socially recognized evaluation department (this material is required for mortgage loans, and others are not required); Other documents and materials stipulated by the bank. Different banks and different loan products require different conditions. It is suggested that users in need can call the bank customer service or credit manager directly.
Extended data
1, go to the bank to learn about it. Personal housing loan business that meets the bank's determination that the buyer meets the bank account opened by the mortgage developer in the bank as the phased guarantee for the buyer's purchase price.
2. Then accept the bank's review of you and determine the loan amount.
3. Next, you can apply for a loan contract, and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
4. What is left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest. The bank is confirming the loan conditions and fulfilling the obligations stipulated in the mortgage loan contract. After going through the relevant formalities, the loan will be transferred to the bank account opened by the developer in the bank at one time as a personal housing loan business guaranteed by the purchaser's installment purchase.