1, aged above 18;
2. Have a stable job and income;
3. Have a good credit record;
4. There is a prescribed address;
5. If you apply for a large loan, such as mortgage or car loan, you need to provide a guarantee approved by the bank.
If the borrower meets the loan conditions, he can apply for a loan at a bank outlet with his identity certificate, income certificate, work certificate, financial certificate and other materials.
Extended data:
How to calculate the loan amount
Loan amount = total house price-down payment amount. Generally, the minimum down payment for the first suite is 30%, and the down payment for the second suite is relatively high, generally around 50%. Different cities have different regulations. In addition, the loan amount will also be affected by the borrower's repayment ability, personal credit, current liabilities, collateral value and other factors, which need to be determined by the bank through comprehensive evaluation.