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What are the application conditions for personal consumption loans in Shanghai?
Hello, the materials that borrowers generally need to provide when applying for consumer loans:

1, the main qualification materials of the borrower, such as ID card, household registration book, etc. ;

2. Materials confirming the borrower's loan purpose, such as purchase and sale contracts and related agreements;

3. Relevant materials proving the borrower's repayment ability, such as salary certificate;

4, the guarantor and collateral related materials;

5. Proof materials of self-financing such as deposit statements and advance payment vouchers;

6. Other materials that should be provided for specific loan varieties.

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Hello, the basic conditions for applying for personal consumption loans:

1, at least 18 years old, with full capacity for civil conduct;

2. Good conduct and no bad credit record;

3. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

4. Have a good credit record and willingness to repay, and no bad credit record;

5. Being able to provide legal, effective and reliable guarantee recognized by the bank;

6. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

7. Comply with other regulations of the bank.