1. A China citizen who needs a bank loan, has a fixed residence, preferably a real estate under his name, a fixed residence or a valid residence certificate, is over 18 and under 65 years of age, and has full capacity for civil conduct.

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

3. Have a good credit record and willingness to repay, and there shall be no overdue default.

4. It can provide legal, effective and reliable guarantees recognized by banks.

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

6. Open a personal settlement account in a loan bank.

7. Other conditions stipulated by the bank.

To apply for mortgage, pledge or secured loan, relevant asset certificates shall be provided. Some banks also require valid assets as collateral, and you must go through mortgage registration and insurance procedures. Generally, the formal product audit is more strict. Although it is easy to use, it is difficult to use, and so is money.

How do rural commercial banks lend?

Rural commercial banks can handle various types of loans. Users can consult the bank according to the types of loans handled by individuals and understand the conditions needed by the bank before applying for loans. The types of loans that can be handled in rural commercial banks are consumer loans, mortgage loans and car loans.

When handling a loan, the borrower generally needs to have full capacity for civil conduct, valid personal identification, work certificate, income certificate, loan application form, etc. , and good personal credit information; The above points are the basic conditions for handling personal loans.

After the borrower submits the information, the rural commercial bank will review it. Only after passing the examination, the bank will sign a formal loan contract with the borrower, and then the rural commercial bank will begin to prepare the loan. After the user gets the loan, he needs to repay it on time, and there should be no overdue in the repayment process.

No matter what kind of loan you apply for, users should measure their repayment ability in advance, and you can rest assured that you have good repayment ability. If the individual's repayment ability is insufficient, the loan should be cautious at this time to prevent the late repayment delay and affect the personal credit information.

What are the conditions for a rural commercial bank to lend 654.38 million yuan?

Need 65438+ ten thousand yuan urgently. The success rate of finding a friend to borrow is very small. Without family, you can only apply for a loan. A bank's loan of 6.5438 million yuan belongs to it, but there are also thresholds, and the threshold requirements of different banks are different. So what conditions do rural commercial banks need to meet for a loan of 65,438+10,000 yuan?

What conditions do rural commercial banks need for a loan of 65438+ 10,000 yuan?

Lender 1 is between 18-65 years old and has my second-generation ID card;

The lender has a stable job, legal income and the ability to repay on time;

3. The lender's personal credit report is good, there is no record of overdue repayment, and the credit report has not been consumed;

4 The lender has a residence permit or temporary residence permit at the place where the bank applies, and the bank will verify it;

Lenders meet all the requirements of banks, and different banks and different types of loans have different requirements.

The materials required for the loan of 65,438+10,000 yuan by the rural commercial bank include: personal identity certificate, work certificate, income details, and personal credit information will be inquired. Marriage requires marriage certificates from both parties. Generally speaking, employees in state-owned enterprises and institutions have a higher pass rate because of their stable income.

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What are the procedures for rural commercial bank loans?

1. Original and photocopy of the borrower's valid identity certificate (in which the borrower's age must meet the basic conditions of 18-65 years old); Local permanent residence or valid residence identity certificate; Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

2. Pledge, list of collateral and ownership certificate required for the borrower to obtain the amount of pledge and mortgage, as well as written documents of the owner and the real estate agreeing to pledge and mortgage; The Guarantor agrees to provide the written documents of the guarantee and the guarantor's credit certificate required by the borrower to obtain the guarantee amount (not required if it is a credit loan).

3. Collateral evaluation report issued by the socially recognized evaluation department (this material is required for mortgage loans, and others are not required); Other documents and materials stipulated by the bank. Different banks and different loan products require different conditions. It is suggested that users in need can call the bank customer service or credit manager directly.

Extended data

1, go to the bank to learn about it. Personal housing loan business that meets the bank's determination that the buyer meets the bank account opened by the mortgage developer in the bank as the phased guarantee for the buyer's purchase price.

2. Then accept the bank's review of you and determine the loan amount.

3. Next, you can apply for a loan contract, and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.

4. What is left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest. The bank is confirming the loan conditions and fulfilling the obligations stipulated in the mortgage loan contract. After going through the relevant formalities, the loan will be transferred to the bank account opened by the developer in the bank at one time as a personal housing loan business guaranteed by the purchaser's installment purchase.