How to apply for a small loan from a bank?
1. Applicants need to submit an application to a bank outlet that provides microfinance business. When applying, the borrower needs to provide ID cards and other related materials, and if it is an enterprise, it needs to provide a business license;
2. The bank accepts the application: examine the authenticity of the applicant's materials, examine the borrower's credit record and personal income, and judge whether the application has passed the examination and approval;
3. After the application is approved; The borrower signs a loan contract with the bank;
4. Bank loan: The applicant has successfully applied for a loan. Note that the applicant needs to provide personal residence booklet, marriage certificate, etc. Except for their ID cards. Provide personal income certificate, bank account, housing lease contract and other stable residential address, property management information, water and electricity payment information. As long as the materials provided are sound and the personal credibility is excellent, most of them will pass the application.
What are the conditions for banks to apply for small loans?
1. China must have a permanent residence, a permanent residence in the local town, a valid residence permit or a fixed business place, and be a natural person with full capacity for civil conduct.
2. Have a stable working income and the ability to repay the loan on time.
3. No bad credit record.
4. The loan applied for shall not be used for stock trading, house purchase, gambling and other prohibited acts stipulated by the bank.
5. Other conditions for various loans as stipulated by the bank.