if it is a credit loan, the loan amount is mainly determined by the borrower's income, which can generally reach up to ten times the applicant's income, that is, the higher the income, the higher the amount can be obtained.
if the income is not enough, you can apply for a mortgage loan. The applicant needs to provide effective collateral, such as car products and real estate, and the bank will evaluate the collateral. As long as the assessed price of the collateral meets the bank's standards, it is possible to apply for a loan amount of 15, yuan.
Bank loan:
To apply for a personal bank loan, you must meet the following conditions:
First, you must be at least 25 years old and have full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.
thirdly, the credit record is good and there is no bad credit record.
fourth, it can provide legal and effective guarantee recognized by the bank.
fifth, other conditions stipulated by the bank.
Information that an individual needs to provide when applying for a bank loan:
Loan application form; The original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife * * * A letter of opinion that someone agrees to the loan; Information on the occupation, income certificate and family property status of both husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.); Proof of fixed place (real estate license and water, electricity, gas and other documents within the last three months); Loan contract.
For personal guarantee, the following information is required:
The original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife; Information on the occupation, income certificate and family property status of both husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.); Proof of fixed place (real estate license and water, electricity, gas and other documents within the last three months); Personal bank inquiry system for credit information; Notarization.
For enterprise guarantee, the following materials are required:
Original and duplicate of business license, original and duplicate of tax registration certificate (national tax and local tax), organization code certificate, articles of association, corporate legal representative ID card, loan card (annual inspection) and credit certificate; Shareholders' consent letter; Financial statements: financial statements at the end of last year and the last three months (with audit reports). Including balance sheet, income statement, cash flow statement, bank statement (bank seal); Special industries need to provide environmental assessment data (EIA report, pollutant discharge permit).
The mortgage of the property needs to produce:
ID cards, household registration books and marriage certificates of both husband and wife; Opinions of the property owner agreeing to mortgage; Real estate needs to be registered.