1. The applicant is between 22 and 60 years old and has full capacity for civil conduct.

2. The current work unit has worked for more than half a year, has a legitimate occupation and stable economic income, and has the ability to repay the principal and interest of the loan on schedule.

3. The applicant can provide his income and the employee identity certificate issued by the personnel department of his unit.

4. The applicant has opened a debit card or current savings account in Jiangxi Bank.

5. The applicant's credit information is good, and there is no bad record such as overdue.

6. Under normal circumstances, on-the-job civil servants, employees in institutions, lawyers, doctors, teachers, or middle-level or above leaders of large and medium-sized state-owned enterprises or listed companies are more likely to apply for loans through Jiangxi Yinjin.

What are the requirements for applying for personal credit loan from Nanchang Bank?

First of all, the applicant must have a fixed residence in the place where the branch of Nanchang Bank is located, a fixed residence (or a valid residence certificate) in the local town, be a China citizen aged 65,438+08 to 60, have full capacity for civil conduct, be in good health, have a legal occupation and a stable economic income, and have the ability to repay the principal and interest of the loan on schedule; At the same time, the applicant's occupation is limited to in-service national civil servants, regular employees of institutions, regular employees with fixed income and repayment ability in industries such as finance, telecommunications, electric power, tobacco, railways and civil aviation, as well as lawyers, doctors, teachers and active military officers.

Then, the bank's credit status in Nanchang is good, and there is no record of loans overdue interest arrears for more than one month or more in relevant financial institutions, and there is no record of credit card arrears for more than 90 days. After being evaluated by the lender according to the personal credit evaluation form, the score is over 90 points.

Next, you must have my income and employee identity certificate issued by the personnel department of the borrower's unit, open a Jinruika or current savings account with our bank, and finally meet other conditions stipulated by Nanchang Bank before you can apply.

Jiangxi bank housing mortgage loan interest rate

Hello, the housing mortgage interest rates of Jiangxi Bank is generally 4.9%-7.2%, and the specific interest rate is subject to the announcement of Jiangxi Bank in official website. The longest mortgage loan of Jiangxi Bank can be borrowed for 30 years, and the maximum loan amount is 5 million yuan. The loan term can be adjusted according to the actual situation of customers, and the shortest loan can be 1 year. Jiangxi Bank needs to provide relevant information such as purchase contract, real estate license and ID card when applying for housing mortgage loan. Jiangxi Bank will review the loan application according to the customer's situation, and the loan can be obtained after the approval.

This concludes the introduction of Jiangxi bank loan application and Jiangxi bank loan application. I wonder if you found the information you need from it?