Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. \ Credit loan application conditions: natural person of age 18-65; The actual age of the borrower and the loan application period should not exceed 70 years old; , with a stable occupation, stable income, the ability to repay the principal and interest of the loan on schedule; Good credit and no bad record; Other conditions stipulated by the bank.
To get a house loan, you need to go to China Bank for credit. What exactly should I do? What other documents do you need?
Conditions for handling individual first-hand housing loans of China Bank:
1. Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details).
2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan.
3. A house purchase contract or agreement has been signed.
4. The down payment of the purchased house that meets the requirements of relevant regulations must be paid.
5. Provide effective guarantee recognized by the lender.
6. Other conditions stipulated by the lender.
Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
How to borrow personal credit loans?
You can apply for a credit loan through the following channels:
1. You can apply for a credit loan through online banking: the applicant can log in to our online banking, find the option of personal credit loan in the column of personal loan in official website, and then apply;
2. Handling credit loans through loan software: Applicants can choose a formal and credible online lending platform to apply;
3. The applicant can also bring the original and photocopy of ID card, asset certificate and marriage certificate. , and handle credit loans at the counter of bank outlets.
The introduction of credit loans ends here.