1. Who should I apply for a bank loan from? Details are as follows:

(1) Bank handling institution. When handling personal credit business, many banks accept it as branches. The borrower can directly apply to the bank branch for personal loan business;

(2) Bank personal loan center or small and micro enterprise center;

(3) Bank account manager or risk manager. Some bank account managers and risk managers go to markets or fields to market loan customers. For the convenience of customers, customers can submit loan information to account managers or risk managers at home.

2. Legal basis: Article 25 of the General Principles of Loans.

loan application

If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks.

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;

Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.

2. What are the application conditions for bank loans?

The bank loan application conditions are as follows:

1, at least 25 years old, with full capacity for civil conduct, and with permanent residence or valid residence certificate in China;

2. Have a fixed occupation or a stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule;

3. Good credit record and no bad credit record;

4. Being able to provide legal and effective guarantee recognized by the bank;

5. Other conditions stipulated by the bank.