1. Industrial and Commercial Bank of China: ICBC's e-loan service supports personal credit loans, and there is no need for guarantee or mortgage when making loans. The maximum amount of personal loan application is 200,000.
2. China Construction Bank: China Construction Bank has two credit loan products, namely Express E loan and Car E loan. The loan amount of two credit loan products is determined according to the applicant's personal loan qualification.
3. Agricultural Bank: Agricultural Bank provides credit loan services for customers who pay housing provident fund on time, with a maximum credit loan of 300,000 yuan.
How to obtain large credit loans;
1. Personal credit record: Generally speaking, borrowers with good credit records get more loans than borrowers with blank or tainted credit records;
2. Occupational nature: the income of civil servants, teachers, state-owned enterprises and institutions is stable, and the loan risk undertaken by lending institutions is small. Of course, they are willing to give high loans;
3. Income: The amount of unsecured loans is closely related to personal monthly income. The higher the income, the more stable it is, and the higher the loan amount;
4. Provide effective financial proof: Although the borrower does not need to bring collateral as a guarantee for the credit loan, it will be of great help to increase the loan amount if it can bring more effective financial proof to the lending institution.
When a borrower applies for a personal credit loan from a bank, it is required to fill in the application form in writing and submit the following materials:
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 conditions for personal credit loans of banks are:
1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have permanent residence or valid residence status in China;
3. The bank's credit loan first requires the applicant to have a good credit record;
4. Have the ability to repay the loan, and provide stable proof of occupation and income source, bank flow sheet, labor contract, etc. ;
5. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. Documents proving the purpose of the loan;
6. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;
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.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 42 The borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to require the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral. Real estate or equity acquired by a commercial bank due to the exercise of mortgage or pledge shall be disposed of within two years from the date of acquisition. If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility in accordance with the contract.