As long as the application requirements of the bank can be met, and it is the user's freedom to apply for several applications at the same time, the bank's approval of the applicant's personal comprehensive qualifications will not be influenced by others who apply at the same time, but the approval depends on the user's comprehensive qualifications, such as work and bank card flow, which are all factors that can successfully approve funds.

Apply for personal loans generally need to meet the following conditions:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

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

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

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

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

6. Other conditions stipulated by the bank.

Extended data

Matters needing attention in loan from bank

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.

9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.

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