Yes!

Second, can individuals go to the bank for loans?

Individuals can go to banks for loans, and all commercial banks have personal loan business to meet the needs of borrowers for personal consumption, production and operation.

However, if an individual wants to borrow money from Union Bank. The loan conditions of different banks may be different. In addition, different personal loans may require different conditions.

However, it is generally required to have full capacity for civil conduct, proof of residence in China, stable income, good credit record and no bad credit record. Meet these basic conditions, and then meet some other conditions proposed by the bank, individuals can apply for loans from the bank. If the credit loan basically meets these conditions, it is ok. If the mortgage loan is used, it is necessary to provide a guarantee or mortgage recognized by the bank.

: 1. What is a bank loan?

Bank loan refers to an economic behavior that banks lend funds to people in need of funds according to national policies, at a certain interest rate and with an agreed repayment period. Generally, it is required to provide guarantee, house mortgage or personal credit report with good income.

Moreover, in different countries and at different stages of a country's development, loans in the loan industry classified according to different standards mainly include general loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in Britain mainly take the forms of bill discount and credit accounts. And overdraft accounts.

Two: bank loans

According to different classification standards, there are different types of bank loans. For example:

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to the different repayment methods, it can be divided into current period.

3, according to the loan purposes, agricultural loans, consumer loans, securities brokerage loans;

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan and commodity mortgage loan.

5. According to the loan amount, it can be divided into wholesale loans and retail loans;

6. Non-interest rate loans issued according to interest rate agreements, etc.

Third, can individuals go to the bank for loans?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).

Basic conditions for lightning loan application:

1, with China Merchants Bank card;

2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;

3, have the ability to repay the loan on time, no illegal behavior, good credit.

Tips:

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.

3. There are two ways to apply for a loan within the lightning loan limit:

(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.

(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.