The driver's license can't be loaned, but it can be used as one of the materials for handling loans. Bank of Communications loan conditions:

1. Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the pledge right, the list of collateral and the ownership certificate, and the written document that the owner and the real estate agree to pledge the mortgage.

2. The guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

3. Credit certification materials of the guarantor.

4. Collateral appraisal report issued by the appraisal department recognized by the society.

5. Original and photocopy of the borrower's valid identity certificate.

6. Proof of marital status.

7 loan use plan or statement.

Extended data:

Product conditions

1. The loan object is a natural person with full capacity for civil conduct, with legal and valid identity documents, good credit standing, a stable source of income and the ability to repay the principal and interest on schedule, and can provide collateral/pledge recognized by the bank;

2. Having real estate as collateral in the loan area.

Product advantage

1. Free lending, saving time and effort, easy lending, and free repayment. When you have surplus funds, you can repay in advance at any time to reduce interest, and you can borrow flexibly when you need funds to avoid worries about turnover and consumption;

2. The procedures are simple and comfortable. You only need to grant credit once, and you don't need to go through complicated procedures such as mortgage every time you use money in the future, which is helpful to seize life opportunities in time;

3. It is flexible, and can issue loans through various channels such as counters, online banking and telephone, and can also enjoy special loan interest rate concessions.

Application conditions of personal consumption loan of Bank of Communications

Service object

1. has legal and valid identification.

2. Good credit status.

3. Have the ability to repay the loan principal and interest on time.

4. Meet other conditions stipulated by the Bank of Communications.

Bidding conditions

Just prepare the following basic documents or materials:

1, identity certificate, marriage certificate (such as resident identity card, household registration book, marriage certificate, single certificate, etc. );

2. Proof of loan purpose (such as transaction contract and payment voucher);

3 proof of income (such as income proof, payroll, tax bill, etc.). );

4. Other relevant materials.

What are the loan terms of Bank of Communications?

Loan conditions: 1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland, and at least 22 years old; 2. Have strong repayment will and good repayment ability; 3. Have a proper job and a stable cash flow; 4. Good credit record, no bad record or malicious overdue behavior; 5. You can provide certain collateral or guarantor.

Bank of Communications is a national state-owned joint-stock commercial bank in China, and now it is one of the five largest state-owned commercial banks in China. As long as the lender has a stable occupation and income, good credit, submit all the application materials to the bank, pass the examination and approval, and sign a loan contract, the loan can be obtained smoothly.

What are the loan terms of Bank of Communications?

1. The borrower has full capacity for civil conduct and valid identity documents.

2. Personal credit information is good and there is no bad record.

3. The borrower has a stable job and good income, and has the ability to repay on time.

4. The borrower can provide different guarantee methods according to different loan types.

5. The lender agrees to other conditions of Bank of Communications.