Personal credit loan conditions

1. The borrower is at least 18 years old and is a natural person with full capacity for civil conduct;

2. The borrower has a permanent residence or valid residence status in China; Provide valid personal identification;

3. The borrower has a good credit record;

4 have the ability to repay the loan and provide proof of stable income, bank procedures and labor contracts;

5. Use of the loan certificate: documents such as purchase contract, purchase contract, admission certificate and investment plan;

6. Proof of stable address: house lease contract, utilities, property management fee, etc.

7. Provide valid certificates recognized by the lending institution, and provide true and valid relevant information required by the bank;

8. Other conditions stipulated by bank lending institutions.

Second, the housing mortgage loan conditions

1, identification (both husband and wife);

2. Marriage certificate;

3. Household registration book;

4. Proof of income and bank flow in the last six months; (or other proof of assets)

5. Real estate license; (or copy)

6. Proof of loan use;

7. The identity certificate of the payee and the payee account number;

8. Water and electricity charges for the latest building.

Three, the conditions of college students' entrepreneurial loans

1, fresh graduate, graduated within two years;

2. College degree or above;

3. 18 years old or older.

Four, self-employed loan conditions

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Other conditions stipulated by the bank.

Verb (abbreviation of verb) housing mortgage loan conditions

1, ID card, household registration book.

2. Proof of income or stable bank flow.

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Have a house purchase contract or agreement and an invoice.

6. Other conditions stipulated by the bank.

Sixth, the terms of the car loan.

1, with valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

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

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

What are the conditions for a bank loan?

1. What are the conditions for a bank loan?

1. The applicant must be a natural person with full civil capacity.

2. Having urban permanent residence or valid residence status requires the borrower to have legal status.

3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records.

5. Some also require providing assets recognized by the bank as collateral or pledge, or taking units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the loan principal and interest and bear joint and several liabilities.

Two, the borrower to apply for personal credit loans to the bank, you need to fill in a written application form, and submit the following information:

1, my valid identity document;

2. Proof of residential address (household registration book, etc. );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information stipulated by the bank.

The loan process is that you submit your personal loan demand and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant, arranges a special person to contact the loan applicant, and if the contact person passes the preliminary review, instructs the loan applicant to provide the required materials, then conducts an audit, and finally reaches the loan.

Extended data:

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.