2. A natural person with full capacity for civil conduct;

3. Proof of permanent residence or valid identity card;

4. Personal credit information has no bad records;

5. Have a stable source of income;

6. Relevant property certificates (purchase contract, purchase contract, investment plan, etc.). );

7. Other conditions stipulated by bank lending institutions.

1. The borrower shall submit to the bank a series of materials other than the ID card, including: loan application form, proof of residence address, proof of occupation and income, and other materials specified by the bank;

2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract;

3. The bank issues loans to borrowers through transfer.

1 personal consumption loan

Refers to the behavior that citizens with a certain income apply for a loan from a bank and provide a certain guarantee, return the loan at maturity and pay interest. It mainly includes: personal durable consumer goods loans, personal housing decoration loans, personal student loans, personal travel loans, automobile consumption loans and other business varieties.

2. Personal housing loan

Refers to the loan issued by the bank to the borrower for the purchase of self-occupied ordinary housing.

3. Personal microfinance

Refers to the RMB credit loan issued by banks or other financial institutions to borrowers with good credit standing without providing guarantee. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years.

4. Personal commercial loans

Personal business loans refer to loans issued by banks to borrowers for working capital, purchasing or updating business equipment, paying the rent of leased business premises, decorating commercial houses and other legal production and business activities. High loan amount: for example, the maximum loan amount of personal business loan of China Merchants Bank can reach 30 million; China Industrial and Commercial Bank is 6,543,800 yuan; Long loan term: general credit can reach 10 year, and a single loan can reach 5 years;

1. It is necessary to check the indispensable personal credit records of the central bank. Good credit information is the premise, that is, bad records such as overdue credit cards and loans overdue will affect the approval.

2. Job stability is also an assessment of personal qualifications. Formal employees of top 500 enterprises, state-owned enterprises and institutions are favored by bank credit loans because of their relatively stable work and very stable income.

3. Explanation of financial resources: If there is a real estate under the name, the real estate information of the house can be used as qualification materials, and large deposits are all favorable explanations, not necessarily necessary conditions.