1. The borrower must be at least 18 years old (inclusive) and a legal resident of China with full capacity for civil conduct;

2. The borrower has a valid identity document or a valid residence certificate;

3. The borrower has a good credit status, a stable income, and can undertake the obligation of regular repayment;

4. Some banks will also require borrowers to provide proof of work mortgage, or guarantors who meet the relevant conditions and can repay on their behalf.

These are the general requirements for bank loans. In the actual loan process, different banks will put forward more restrictions according to different loan types.

Brief introduction of bank loan

Bank loan refers to the business that a bank issues loans to borrowers (units) by signing a certain contract with them. The credit of bank loans is high, but compared with other types of loans, bank loans also have some shortcomings, such as complicated procedures for applying for bank loans and strict examination of borrowers by banks.

What are the conditions for a bank loan?

Bank loan terms:

The lender has a stable occupation and income, and the lender has the ability to repay the loan principal and interest on time. The actual age of the lender plus the loan application period shall not exceed 70 years old.

Loan conditions refer to the conditions that borrowers or individuals should have to borrow from banks. The current loan conditions of Chinese banks are:

(1) An enterprise established with the approval of the competent department and holding a business license issued by the administrative department for industry and commerce at or above the county level, and a product with a production license for industrial products implemented by the state shall obtain a production license, that is, the loan object is legal;

(2) independent economic accounting, with capital utilization, production and operation management, that is, the loan object has obtained legal person status and assumed clear economic responsibilities;

(3) Have a certain amount of self-owned liquidity and establish a liquidity supplementary system, that is, the loan object should have the ability to operate normally and take risks;

(4) Open an account in a bank and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of the bank.

What are the conditions for a bank loan?

What are the requirements for bank loans? The requirements for bank loans are as follows:

The threshold for bank loans is relatively high, and the audit is much stricter. To apply for a loan, you must meet the following basic conditions:

1. The applicant must be a natural person with full capacity for civil conduct and have legal personality;

2. Have a stable job and income and have the corresponding repayment ability;

3. Personal credit information is good and there is no bad record in the central bank's credit information system.

In addition, bank loans are also divided into personal credit loans, housing mortgage loans, college students' entrepreneurial loans, self-employed loans, housing mortgage loans and so on. To apply for different loans, you need to provide different application materials, such as bank account, work certificate, collateral, house purchase contract, etc.

When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;

4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.

Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.

360 IOUs, with a maximum loan of 200,000!

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Third, the "new loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.

The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.

Ping An Xin Yi Dai Click Online Measurement

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!