Individuals can borrow money from banks, but they must meet some conditions. At least 25 years old, with full capacity for civil conduct, with a fixed residence or valid residence certificate in China, and with loan needs (buying a house, buying a car, going to school, traveling), you can apply to the bank according to your own situation: 1. If you have a house (real estate) and a car, you can use it as collateral and apply for a mortgage loan from the bank. The amount of loan you can get is related to the value of the collateral. 2. Those who own movable property such as treasury bonds, bonds and certificates of deposit may also apply to the bank for pledge. 3. If there is nothing, you can find a suitable guarantor (the requirements for the guarantor will vary according to different banks and different regions. For example, some banks require that the guarantor must be a civil servant. ), then you can apply for a secured loan from the bank without providing mortgage/pledge. If you have no mortgage/pledge and no guarantee, then you can apply for a credit loan from the bank with your personal reputation. However, compared with the first three, its review of personal credit information will be stricter and the loan amount will be lower.
Personal credit report will include: personal basic information, credit transaction information, public records, inquiry records, objection marks and personal statements, including loans, credit cards, social security, provident fund and other information.
Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person of China nationality with full capacity for civil conduct approved and registered by the administrative department for industry and commerce (or the competent authority).
The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the loan funds have not been misappropriated, and the credit is strictly observed:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic deposit account or general deposit account has been opened.
Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
Can individuals borrow money from banks?
Individuals can borrow money from banks, and there are many kinds of loans, including personal credit loans, mortgage loans, college students' entrepreneurial loans, and self-employment loans. No matter what kind of loan it is, it is related to credit.
If you want to borrow from a bank, you need to be at least 18 years old, have a stable income, show your work certificate, and have the ability to repay the loan principal and interest on time. Different loan methods need to submit different materials. If you are married, you need to provide marriage certificate, husband and wife ID card and household registration book. Divorced or unmarried, divorce certificate or single certificate is required. There is also a copy of the company's business license and income certificate, which needs to be issued by the company.
Personal credit loan is a common loan method. To apply for this loan, you need to provide the borrower's ID card, income certificate and loan purpose description. Ordinary banks will require borrowers to earn no less than 4,000 yuan a month. If the personal credit information system is good, it will be easy to pass the examination, and the amount of application is generally about 5 to 8 times the monthly income. Mortgage is getting hotter and hotter, and the loan interest rate is the benchmark interest rate. If you want to apply for a mortgage loan, you need good credit, and the personal credit information system can't go wrong. Moreover, the house age is less than 20 years, more than 50 square meters, and the maximum loan amount applied for does not exceed 6.5438+0.5 million.
College students' entrepreneurial loans are supported by the state, and students need to be 18 years old or above, with college education or above. They can apply within two years of graduation. The materials required for the application are relatively simple, only the student ID card and transcripts are needed, and the transcripts must be stamped by the college to ensure authenticity and credibility. The higher the score, the higher the loan amount; Self-employed loans need to have a local account, a stable income and a fixed business place in the local area, but this place must be able to guarantee a stable income and meet these conditions.
The conditions for individuals to borrow money from banks are still quite high.
Can an individual get a loan?
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. But if an individual wants to borrow from a bank, he must meet the loan conditions proposed by the bank. The loan conditions of different banks may be different. In addition, different personal loans may require different conditions.
Personalloans ("personal loans" for short), also known as retail loan business, rose in western countries after World War II and has become an important loan business after decades of development. The main reasons for the rapid development of western retail loans after the war are: first, the competition among financial institutions is becoming increasingly fierce, and the importance of retail business is recognized; Second, after the war, the economic development in the western region was relatively stable, personal income increased, and people were willing to use loans for consumption; Third, the emergence of a large number of credit reporting agencies enables banks to know the credit status of borrowers conveniently and quickly.
China's personal loan has been piloted in Shenzhen, hoping to develop China's financial industry through more channels, multiple directions and diversification.
Personal loans refer to local and foreign currency loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. , and agreed to loan interest, agreed to repay the principal and interest on schedule for the purchase of owner-occupied housing, consumption or small investment operations. Personal loans provided by banks are different.
Personal loans are generally required to be at least 25 years old, have full capacity for civil conduct, have a fixed residence or valid residence certificate in China, have a stable income, have a good credit record and have 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.
Apply for a loan amount according to your own ability. When applying for personal loans, borrowers should make correct judgments on their economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.
Choose a good loan bank.
Choose the repayment method that suits you best. There are two repayment methods: one is equal repayment, and the other is equal repayment of principal. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.