First, the conditions needed to get a bank loan:
1. 18-65 citizens with China nationality (excluding Hong Kong, Macao and Taiwan residents);
2. Work and live locally;
3. The current unit has officially registered employees who have worked for 6 months;
4. White households can operate and must pay more than 3,000 yuan (social security and provident fund must be the same);
5. There is a monthly punching salary;
6. Good credit information (not for three consecutive years);
Second, the materials needed to get a bank loan:
1. First, you must have a valid personal identity document, provide a household registration book, and have full civil capacity;
2. Have a stable job and a good income. If you receive your salary through bank transfer, you need to submit the running proof of your recent salary card;
3. Unmarried persons submit unmarried certificates, and married persons submit relevant materials of spouses and family members;
4. Have a fixed account in the bank applying for the loan;
5. Other requirements of lending institutions.
Third, the process of going to the bank for a loan: _
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Matters needing attention in loan:
1, don't believe advertisements.
Remember, there is no free lunch in the world. Those loans with low threshold, no threshold and unconditional conditions are often hidden dangers, which may be routine. Be sure to choose a formal loan platform.
2. Check the qualification of the loan company
Because criminals generally solicit business in the name of "small loan companies", they have no financial qualifications in essence. Therefore, before making a loan, the borrower must check the information of the relevant company to see if it is formal.
Don't sign a loan contract at will.
Before signing the contract, you should read it carefully, be consistent with what you said, write as much as you borrow, and write as much as you are interested in. A person who promises verbally but refuses to write it into a contract will never sign it.
Please sign the paper carefully with a pen.
When signing a contract, borrowers should be alert to the overlord clauses such as cash discount, high penalty interest and interest rolling, so as to avoid snowballing development of loans and falling into the trap of "routine loans". Read the content carefully, fill it clearly or cross it out in the blank, and don't give the other party a chance to forge, tamper with or add it. Don't listen to the sweet words of the lender, don't sign, and don't write false materials.
Whenever you change money, you must keep the evidence.
Especially in cash transactions, remember to take photos, videos or operate in places with video surveillance, and you can find more irrelevant people to witness. Repayment of principal or payment of interest must be remitted to an account confirmed by both parties in writing, and cash payment should be accompanied by a receipt.