Which banks can handle personal credit loans? How do banks handle credit loans?

Which banks can handle personal credit loans? How do banks handle credit loans? It is inevitable in life, so everyone will choose to borrow money from the bank. But many people are not very clear about where to apply. Next, let's see which banks can handle personal credit loans. How do banks handle credit loans?

Which banks can handle personal credit loans? Personal credit loans can be handled by general banks, such as China Industrial and Commercial Bank, China Agricultural Bank, Bank of Communications and China Construction Bank. However, when the borrower applies for a personal credit loan from the bank, it is required to fill in the application form in writing and submit the following materials:

(1) My valid ID.

(2) proof of residential address (household registration book, etc.). ).

(3) Personal professional certificate.

(4) Proof of income of the loan applicant himself and his family members.

(5) Other information required by the bank.

These are some materials that need to be submitted. In addition, to apply for a personal credit loan from a bank, the borrower also needs to meet the corresponding conditions:

1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct.

2. Have permanent residence or valid residence status in China.

3. The bank's credit loan first requires the applicant to have a good credit record.

4. Have the ability to repay the loan, and provide stable proof of occupation and income source, bank flow sheet, labor contract, etc.

5. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. A document certifying the purpose of the loan.

6. Provide stable proof of address, house lease contract, utilities, property management and other related certificates.

7. Provide valid certificates recognized by the lending institution, and provide true and effective relevant information required by the bank.

8. Other conditions stipulated by bank lending institutions.

These are the conditions that individuals must meet when applying for credit loans from banks. In addition, what should credit loan banks do? The process of handling credit loans by general banks includes the following steps:

Step 1: The applicant fills in the loan application to the bank and submits other materials required by the bank.

Step 2: The bank examines the applicant's credit and qualification.

Step 3: After approval, inform the applicant of the loan details and sign a contract with the applicant.

Step 4: Lending institutions lend money.

Which banks can handle personal credit loans? How do banks handle credit loans? The above briefly introduces the conditions and procedures for banks to handle credit loans, hoping to help everyone.

I want to apply for a loan. Where can I get a loan?

You can apply in our e-banking channel, and the way to apply for a loan is as follows: 1. At present, China Bank supports customers in some parts of China to apply for loans in e-banking. Please select from the drop-down menu of online loan application function of personal online banking and mobile banking or the map of official website online loan application function of our bank in China. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu. 2. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to our bank through this function, and the relevant staff of our bank will get in touch with you after successful submission.

The above contents are for your reference. Please refer to the actual business regulations.

What bank can apply for a loan?

Most banks can apply for loans, as follows:

1. State-owned banks: Industrial and Commercial Bank, Bank of China, Agricultural Bank, China Construction Bank and Bank of Communications.

2. Local banks: Weifang Bank, Dezhou Bank, Langfang Bank, Beijing Bank, Shanghai Bank and other local banks.

3. Rural commercial banks and credit cooperatives: rural credit cooperatives, Beijing Rural Commercial Bank, etc.

4. Private banks: Minsheng Bank, Zhejiang Online Commercial Bank, Shenzhen Qianhai Weizhong Bank, etc.

5. Foreign banks: Citibank, Hang Seng Bank and Standard Chartered Bank.

This concludes the introduction of what can be loaned and what projects can be loaned. I wonder if you have found the information you need?