1. The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

2. The borrower can provide corresponding guarantee.

3. The borrower can provide corresponding proof of consumption purpose.

4. The borrower has repayment ability and no record of non-performing loans.

Application materials:

1. Proof of identity and marital status of the borrower;

2. The borrower's professional and economic income certificate issued by the department recognized by the lender;

3. Proof of loan use;

4. If the real estate is mortgaged or pledged, a list of mortgaged real estate or pledge, proof of ownership, proof of consent of the person who has the right to dispose of the real estate (including the co-owner of the real estate) and proof of mortgage valuation issued by the competent department shall be provided;

5. If the guarantee is provided by a third party, a written document, relevant credit certification materials and a certain percentage of deposit agreed by the guarantor shall be issued;

6. Other materials required by China Cooperation Agency of Easy Loan.

note:

1. Personal garage parking loan means that the borrower (parking buyer) pays the down payment when purchasing the parking space of the real estate where the purchased building is located, and the bank uses the purchased parking space as a mortgage loan to repay the loan principal and interest in installments.

2. The loan term of garage loan is generally 1~3 years, and the longest is no more than 5 years; At the same time, it is necessary to provide property mortgage, pledge or third-party guarantee recognized by the loan bank as the loan guarantee condition; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and there is generally no interest rate concession.