To apply for a good loan, you must meet the following loan application conditions:

First, the applicant must be a person with full capacity at the age of 18 to 60 weeks and can provide legal identity information.

Second, the applicant's credit rating must be good. Enjoy the loan is a loan product based on credit rating, so the applicant's credit rating directly affects the probability of the next loan, and the applicant's credit rating is also directly related to the loan application amount. Generally speaking, the higher the applicant's credit rating, the higher the loan approval amount.

Third, the borrower should have a stable job and economic income, which can guarantee the individual's ability to repay the loan, thus ensuring the system platform.

Second, is the postal savings loan good? How to apply

Whether the postal savings bank loan is good or not varies from person to person. If you have good personal qualifications, you'd better borrow them. In addition, postal savings bank loans include micro-credit loans, large loans, mortgage loans, car loans and other types, and the conditions of different loan types are different. Borrowers need to choose the right loan to get a better loan. 1. Postal Savings Bank loan application process: 1. The lender looks for a suitable guarantor; 2. The lender applies for a loan from the Postal Bank and submits the information required for the loan. The information shall include the relevant information of the guarantor; 3, the postal bank to investigate the lender, review the lender's information; 4. After the data is approved, the bank issues loans; 5. The lender repays the loan according to the contract. : 1. Postal Bank loan conditions: 1, aged between 18-60 years old, with full capacity for civil conduct, good health and a wide age range; 2. The borrower has a stable residence in the postal bank for more than one year; 3. The borrower has full capacity for civil conduct; 4, the income is stable and reached more than half a year, reaching the loan conditions of the local postal bank; 5. The borrower has good credit and no credit stain; 6. Meet other conditions stipulated by the local postal bank; 7. With the guarantor as the guarantee, the loan below 10000 yuan needs 1 person, and the loan above 10000 yuan needs 2 people; 8. If it is a mortgage loan, it is easier to get a loan. You only need to provide proof of ownership of the collateral and have all the rights of the collateral. 2. The repayment method of China Postal Savings Bank is 1, with one-time repayment of principal and interest, that is, one-time repayment of loan principal and interest at maturity, which is only applicable to merchants with a loan term of less than 3 months or farmers with a loan term of less than 4 months; 2. Equal principal and interest repayment method, that is, equal monthly repayment of loan principal and interest within the loan term; 3. Equal principal and interest repayment by installments, that is, only the loan interest is repaid during the grace period of the loan, and then the loan is repaid by equal principal and interest repayment after the grace period. For merchants, the longest grace period for loans is 4 months; For farmers, the longest grace period for loans is 10 month, and tier-one branches should reasonably determine the longest grace period for local loans according to the agricultural production cycle or situation. Three, the postal bank loans overdue will also affect the credit, but the situation is not serious. If the repayment is overdue for one day, the overdue record will be recorded in the credit report by the bank, and the repayment record of loans overdue will be recorded in the personal credit report. Occasionally 1 time does not exceed 90 days, which has little effect. Even if only 1 time is overdue for more than 90 days, it will be regarded as malicious overdue by the bank and blacklisted. A small number of times will not affect it, but there will be an overdue record of 1 in the credit investigation. In the future, three such overdue records may also be blacklisted as long as it does not have much impact on timely repayment. Therefore, we should cherish our credit history and pay attention to our repayment time, so that when we need a loan again, we will be unable to handle it or have trouble with the formalities.

Third, how to apply for a good loan from Bank of Communications

The good loan of Bank of Communications has been revised, and can be applied through the customer service hotline of Bank of Communications, online banking and mobile banking. If it is not invited by the bank, you can also apply for this business on your own initiative through the above methods. Users who sign up for online banking can open it through online banking, and non-online banking users can complete business applications through customer service phone. After receiving the application, the bank will conduct online audit according to your credit status at that time. After the application is approved, the telephone signing is completed by independently setting the initial amount and installment times of a single transaction. Enjoy the loan within 90 days after activation within the scope of designated merchants. When using the credit line, any single consumption amount greater than or equal to the initial transaction amount will be automatically included in the credit line, and installment payment will be automatically completed, with the highest installment fee rate of 0.72% per month.

Fourth, after consultation, is it convenient to apply for a good loan?

Enjoy the loan is an additional special credit line provided by Bank of Communications credit card, with a maximum of 1.5 million. If it is used within the scope of designated merchants, any single consumption amount is greater than or equal to the initial transaction amount, it will be automatically included in the credit line, installment payment will be automatically completed, and the original credit line will be used normally. If you need to make good use of the loan, you can apply by phone.