Loans can be issued in the following ways:

1, age: need 18 years old;

2. Ability: It is necessary to have full capacity for civil conduct;

3. Stable residence: there is a stable residence for loan demand;

4. Income: it is necessary to have a stable income and provide bank flow information;

5. Credit: Credit should be good. If the credit is bad and there is an overdue record, it will be difficult to get a loan.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 12

The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.

What are the conditions for granting loans?

To apply for a loan, you need to meet the following conditions:

1. The party concerned is a person with full capacity for civil conduct;

2. The purpose of the loan is clear and legal;

3. The loan requirements are reasonable;

4. Have the willingness and ability to repay;

5. The credit status is good, and there is no major bad credit record.

What is the procedure for applying for a bank loan?

The process of applying for a bank loan is as follows:

1, ready to go through the relevant formalities. The procedures to be submitted for general loans mainly include loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials. If it is a mortgage customer, it is necessary to issue a certificate of property rights of the collateral; If it is a customer with unsecured loans, it is necessary to provide a good credit record;

2. Apply to the bank. After the customer prepares the relevant materials, he can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties;

3. The bank should approve the loan before. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit is unqualified, the bank will return the relevant information of the customer and explain the situation to the customer;

4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer also needs to go to the relevant department to register the mortgage for future inquiry;

5. Bank loans. After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

What conditions should a loan meet before it can be loaned?

Bank loan terms:

The lender has a stable occupation and income, and the lender has the ability to repay the loan principal and interest on time. The actual age of the lender plus the loan application period shall not exceed 70 years old.

Loan conditions refer to the conditions that borrowers or individuals should have to borrow from banks. The current loan conditions of Chinese banks are:

(1) An enterprise established with the approval of the competent department and holding a business license issued by the administrative department for industry and commerce at or above the county level, and a product with a production license for industrial products implemented by the state shall obtain a production license, that is, the loan object is legal;

(2) independent economic accounting, with capital utilization, production and operation management, that is, the loan object has obtained legal person status and assumed clear economic responsibilities;

(3) Have a certain amount of self-owned liquidity and establish a liquidity supplementary system, that is, the loan object should have the ability to operate normally and take risks;

(4) Open an account in a bank and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of the bank.