First, the credit is good, and second, the income is considerable.

2. What are the conditions for rural commercial banks to apply for loans?

1. Preparation materials: The materials to be prepared for enterprise loans are divided into main materials and auxiliary materials. The main materials include business owner's ID card, loan application, etc. Auxiliary materials need annual report, enterprise assets, recent asset mortgage loans of enterprises, and assets appraisal certificate. 2. Submit materials and applications: invited by enterprises, and wait for approval results after submission. 3. Bank approval: For corporate loans, the bank has strict examination and a set of standard approval procedures. In the audit process, the quality, economic strength, credit information, development prospects and profitability of enterprise leaders will not be evaluated. Finally, the credit rating is given, and the loan amount and term are verified according to the credit rating. 4. Loan signing: If the application is approved, the bank will inform the enterprise to sign the contract soon. The agency terms and the entrustment certificate provided by the enterprise are basically consistent with the personal loan contract, mainly including the purpose, type, amount, interest rate, term and repayment method of the loan. In addition, it also includes interests, obligations, liabilities for breach of contract and other matters that both parties think need to be agreed. After the contract is signed, the bank will transfer the loan to the account stipulated in the contract.

The above is the enterprise loan process, which is basically the same, but the enterprise loan review is more strict. If the business is good, the probability of not returning will be high.

3. What conditions do rural commercial banks need for loans?

1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.

2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.

3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business and financial statements are submitted to lending institutions on a regular basis.

4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it must be commercialized and easy to realize.

5. The asset-liability ratio of the lender of rural credit cooperatives shall not be higher than 70%.

6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must comply with the provisions of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.

7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

8. Lenders of rural credit cooperatives must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.

4. What are the conditions for a loan of 250,000 yuan?

Welcome to apply for a loan from China Merchants Bank. If you apply for a personal loan from China Merchants Bank, you need to have a local China Merchants Bank. The application requirements and conditions of loan types are different. Please provide the loan purpose, and we will further help you verify whether there is a loan suitable for you.

You can try to apply for a loan through China Merchants Bank. If you are already a user of China Merchants Bank and downloaded the mobile banking app of China Merchants Bank, you can try to log in to mobile banking, my-all-loans-I want loans.

Or borrow money by credit card; Log in to Pocket Life and click "Card Finance"-"I want to borrow money" below, subject to the audit results.

Non-CMB cards can try to apply for "e-loan" and need to download the operation of CMB Pocket Life APP.