What are the requirements for a personal loan of 300,000 yuan?
A personal loan of 300,000 yuan usually requires the borrower to apply for a loan at the bank, and this large loan requires the borrower to submit collateral. The loan terms are as follows:
1. Provide valid residence permit and identity documents;
2. He is between 18-65 and has full capacity for civil conduct;
3. Have a proper post and a stable income;
4. Submit the bank flow in the last six months;
5. Have a good personal credit record;
6. Other conditions required by the bank.
Does bank microfinance have an impact on buying a house?
There is a small bank loan under the user name. If there is no overdue record, the personal debt ratio is not high, which does not affect the user's subsequent loan to buy a house. However, the bank's microfinance has an overdue record, or the number of applications for bank microfinance is high, so applying for a loan to buy a house will be affected by the previous bank microfinance. After the user submits the mortgage application, the bank will generally notify the user directly if it thinks that the previous microfinance record has affected the mortgage application. In this way, users need to solve the problem of bank microfinance before applying for mortgage. If the bank has no other requirements, the previous bank microfinance record has not affected the mortgage application.
The bank's microfinance records will affect the mortgage, mainly the overdue records and debt ratio. As long as there is no overdue record and the debt ratio is moderate, then users can apply for mortgages normally. Moreover, the previous small loan records help banks to better evaluate users.