The basic conditions for personal loans are as follows:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate.

2, have a stable legal income and proof, have the ability to repay interest.

3. When the loan business needs a down payment, it has the ability to pay the full down payment.

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met.

If you apply for a credit loan, you need to have a good reputation.

6. Other conditions meeting the requirements of the bank.

7. Have your own house or car, housing provident fund or social insurance.

8. In the case of a physical plant and an individual business license.

9. The personal credit report is perfect and in good condition.

Nowadays, lending has become a habit. More and more people use loans to set up their own companies or invest in some enterprises, while others use loans to buy cars or houses. But generally, as long as they have a normal job or a stable source of income, we can borrow money, but we must ensure that their personal credit information is good, otherwise there will be some unnecessary.

Personal credit information is the mark of a person's economic strength, so when we borrow money from a bank, we usually need to print out this report and give it to the bank for review. The bank will review it and then conduct a confident review. After the approval, you can make loans according to your own economic ability. The amount of the loan will vary according to the individual's economic strength. The amount is different. Some people can borrow 50,000 yuan, while others can borrow 200,000 yuan.

In addition, if the audit fails, it means that you have a bad consumption record, or you have other overdue phenomena, your report will be unqualified, then you will not be able to complete the bank's loan behavior, so you should pay attention to rational consumption at ordinary times and don't lend money easily. Even after the online loan, you should repay it in time, and don't overdue it, otherwise it will be included in your credit report.

What conditions does the loan need to meet?

Requirements for rural loans:

(1) is over 18 years old (including 18 years old), and the sum of the age at the time of applying for the loan and the loan term is not more than 65 years old (including 65 years old); Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents.

(2) According to the Administrative Measures of Bank of China on Customer Credit Rating of Agriculture, Countryside and Farmers, the customer credit rating result is medium or above.

(3) should have a stable income and the ability to repay the loan principal and interest on schedule.

(4) Production and business operation activities conform to national laws and regulations and industrial policies.

(5) Good conduct when applying for loans, and no overdue loans.

(6) Other conditions stipulated by the lender.

What are the conditions for an individual to apply for a bank loan?

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

Requirements of the Borrower:

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

According to the Interim Measures for the Administration of Personal Loans:

Article 23

The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

Article 24

The loan contract shall comply with the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the good faith commitment of all parties, the purpose of the loan funds, the payment object (scope), the payment amount, the payment conditions and the payment method.

The loan contract should be set with relevant clauses to clarify the liabilities for breach of contract that the borrower should bear when it fails to perform or slowly performs the contract.

Article 25

Lenders should establish and improve the contract management system to effectively prevent the legal risks of personal loans.

If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.

Article 26

The Lender shall standardize the guarantee process and operation according to the Property Law of People's Republic of China (PRC), the Guarantee Law of People's Republic of China (PRC) and other relevant laws and regulations.

The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral.

Personal loans secured by guarantee shall be completed by at least two loan officers.

Article 27

Lenders should strengthen the management of loan issuance, follow the principle of separation of examination and loan, set up an independent loan management department or post, and be responsible for implementing the loan conditions and issuing personal loans that meet the agreed conditions.