Legal subjectivity: 1. Credit audit should pay attention to the borrower's repayment ability, and the bank will comprehensively consider the borrower's real estate status, income, occupation, credit record, and even industry, education and other factors to judge the borrower's loan qualification. In addition to paying attention to the real estate license, the borrower's occupation and income are all important criteria. 2. The loan documents should be complete. Generally, to apply for a personal consumption loan from a bank, the borrower needs to prepare identity documents (ID card, household registration book or residence certificate), marriage certificate and valid income certificate (tax bill, salary slip, salary passbook, etc.). ) or other effective sources of income (funds, stocks, other monetary income, etc.). ). If a family applies for a personal consumption loan from a bank, it should also submit the identity certificate of the borrower's spouse to the bank. The loan amount should be known to all. Generally speaking, with personal credit or joint liability guarantee, the maximum loan can be 500 thousand yuan; With personal housing mortgage, the maximum loan amount shall not exceed 70% of the mortgaged property value; Where individual commercial housing is mortgaged, the maximum loan amount shall not exceed 60% of the value of the mortgaged property. 4. Repayment method: It should be noted that banks generally provide two repayment methods for users who apply for personal consumption loans: equal principal and interest and average principal. Among them, the total amount of interest paid by equal principal and interest is relatively large, but the repayment amount in each period is the same, and the repayment pressure is relatively balanced; The repayment amount of each period in the average capital is gradually decreasing. Although the total amount of interest expenditure is less than the equal amount of principal and interest, the amount of repayment in the early stage is large, so think twice about whether it can bear it.

2. What are the conditions for a loan from the Agricultural Bank?

Second-hand housing mortgage loan?

Have a stable job, can provide proof of income for more than half a year and proof of running water income, and must be able to earn more than twice the monthly income without bad records.

Comply with local purchase restriction policy

It is best to provide academic certificates and other materials to prove credit.

3. What are the conditions for the personal consumption loan of ABC?

How much money you can borrow depends on how much your house is worth. Generally, it will not exceed 70%, and there will be even fewer houses in rural areas. Procedure: The first person will investigate your situation after accepting it, and you just need to cooperate with them. Where did you use to have the nearest Agricultural Bank of China? I'll take you with me.

4. What are the application conditions for credit loan of ABC?

What are the application conditions for personal loan of ABC? With the rapid development of some online lending platforms we live in now, many netizens will choose loans for emergency when funds are tight. Especially in our life, ABC's personal loan is very popular, but many netizens don't know the application conditions of ABC's personal loan.

What are the application conditions for personal loan of ABC? With the rapid development of some online lending platforms we live in now, many netizens will choose loans for emergency when funds are tight. Especially in our life, the personal loan of ABC is very popular, but many netizens don't know what the application conditions of ABC's personal loan are. You must meet all eight basic conditions.

Bian Xiao introduced in detail the application conditions for personal loans of Agricultural Bank of China:

1. China citizens with full civil capacity are between 18 (inclusive) and 60 (inclusive).

2. It has legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located.

3 have a stable source of income and the ability to repay the principal and interest of the loan in full and on time.

4. Have a good credit record and willingness to repay, without any illegal acts and bad records.

5. Obtained a risk level of Grade B or above in the internal rating system of retail of Agricultural Bank of China.

6. ABC's customer stock must be at least 4 stars.

7. Open a personal settlement account in the Agricultural Bank.

8. Other conditions stipulated by the bank.

The above is a detailed introduction about the application conditions of personal loan of Agricultural Bank of China brought by Bian Xiao. Through the above conditions related to the application conditions of ABC's personal loan, I believe that everyone is very familiar with the knowledge of ABC's personal loan now. In fact, ABC's personal loan application conditions are relatively simple.