Ordinary banks need applicants to provide guarantees, and some low-income households may not be able to provide them, so it will be more troublesome to apply. However, some banks have special poverty alleviation projects, and they can apply for them as long as they show proof of the identity and purpose of the applicants from government agencies.
How do low-income households apply for loans?
(A) loan application conditions
1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed);
2. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
3. The borrower's actual age plus the loan application period shall not exceed 70 years old;
(2) Information to be provided by the borrower
1, husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;
2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate;
3 proof of income (in the format stipulated by the bank);
4. Business license of the unit and its copy (with official seal);
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
(C) low-income bank loan procedures