Banks that want to lend mainly depend on the borrower's credit, mortgage and guarantee. The borrower needs to have a stable credit record and sufficient repayment ability. This kind of borrower is the favorite of banks. The loan products are mainly aimed at wage earners with stable jobs, but the fixed income of most wage earners is not very high, and the bank loan amount is 15 times of the borrower's highest income. Therefore, if you want to borrow150,000 yuan, you need to have enough income, which means a stable income of at least 8,000 yuan a month.
If your income is relatively low, then you need to mortgage loans to banks, such as real estate and cars. The amount of mortgage loan is calculated according to 70% of the collateral. Through bank loans, mortgages or stable income are all part of it, and the most important thing is to look at the borrower's credit information. If there is a bad credit record, even hundreds of thousands of banks will not mortgage for a month. As long as the above conditions are met, you can apply for a loan from the bank. You need to prepare materials, personal identification, stable residence address, income certificate, bank running for half a year, labor contract, housing provident fund and other materials that can prove your stable income. The more, the better.
Prepare these materials and submit them to the bank. The bank will review them within five working days, and the loan can be released within three working days after the approval. It should be noted that there are many types of bank loans and different applications and conditions need to be submitted. Some loans also require applicants to submit proof of the purpose of the loan. Banks need to know what the purpose of the loan is, whether it is consumption or buying a house or a car. Moreover, the information required by different banks is different. It is recommended to call customer service arc for consultation before applying for a loan, or log on to the bank's website for online inquiry, so as to avoid incomplete information and unsuccessful approval when applying for a loan.