1, 18 years of age and have full capacity for civil behavior, and have a valid proof of residence and proof of identity;
2, have a stable legal income and proof of the ability to repay the interest;
3, when the business of lending to the down payment requirements, have the ability to pay the full amount of the down payment
4, such as a larger amount of personal loans, need to meet the conditions of the bank's requirements of collateral;
5, such as for credit loans, need to have a good reputation;
6, to meet the bank's requirements of other conditions.
Personal loans are broadly divided into personal real estate loans, personal auto consumer loans, personal consumer goods loans, personal small credit loans, according to the different types of bank loan requirements are also different, I hope that when you apply for the relevant detailed consultation.
In addition to personal bank loans, there are also business loans for enterprises. For large and medium-sized business loan business, bank loan requirements are also different from personal loans. The loan object of the commercial loan must be an operating business unit, that is, with economic income, the value of the advance can be compensated and appreciation, and there is a source of funds to return the principal and interest of the loan. The requirements for a business loan are the legality of the operation, independence of the operation, a certain amount of own funds, the opening of a basic account in a bank, the ability to repay the principal and interest on schedule, and good credit. In addition, it is also necessary to meet other requirements such as collateral required by the bank. The loan requirements of each bank are different, and it is necessary for the borrower to go to the specific bank to make appropriate inquiries.
Additionally, if you have an urgent need for money, it is recommended that you choose a large brand for the loan, the interest rate is transparent at the same time as the protection of your information security, "money flower" is the original Baidu financial credit services brand (formerly known as: Baidu Money Flowers), is positioned to provide for the masses of personal consumer credit services, to create an innovative consumer credit model. The company's name is Baidu Qianhua. Relying on Baidu technology and scene advantages, "money flower" using artificial intelligence and big data risk control technology, to bring users convenient, fast, safe Internet credit services, simple application materials, the fastest 30 seconds for approval, the fastest 3 minutes to release money. You can repay the loan in advance, and after repayment, you can restore the credit limit and borrow money on a recurring basis. I hope this answer is helpful to you, mobile click below, immediately measured amount, the highest borrowing limit of 200,000