Bank loan products have higher requirements for personal qualifications, and different products have different requirements for individuals.
First, the basic conditions:
1, domestic residents
2, 2 1-55 years old
3. Work and live locally
4. Have a stable job and income.
5. Good credit record
Two, the basic information required to apply for a loan (copy only)
Salary loan (1- 1.5 million)
1. Identification: Copy of ID card (required)
2. Work certificate: labor contract or work income certificate issued by the company (required)
3. proof of income: the bank has paid wages in the last 3 months or a bank account that can represent personal income (required)
4. proof of address: if renting a house, provide a house lease contract. If a relative or owner-occupied house provides last month's water/electricity bill (name and address are enough) or a credit card bill sent home.
5. Auxiliary materials: real estate license, bachelor degree or above certificate (which can increase the loan amount).
Extended data
Due to different loan types, the conditions and materials for applying for loans are also different. The following will introduce the conditions required for several common loans.
1, personal credit loan
(1) Personal credit loan is a fashionable loan method, so what are the requirements for applying for this kind of loan? Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan.
(2) After submitting relevant application materials, banks can apply for loans with a monthly income of 5-8 times, that is, unsecured loans and new loans from Ping An Bank.
2. Housing mortgage loan
(1) The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan.
(2) Generally speaking, in addition to strong requirements on the income and credit of the lender, the service life of the house should be less than 20 years, and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.
3. College students' entrepreneurial loans
(1) College students pay more attention to this kind of loan than we believe. Many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans.
(2) What are the conditions for applying for such loans? Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.
4. Self-operated loans
Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. Generally speaking, they need to have full capacity for civil conduct and a local hukou. Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.
5. Housing mortgage loan
(1) Many people apply for housing mortgage loans, so what are the conditions for this loan? Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income.
What are the requirements for a 50,000 unsecured loan?
What are the conditions for an unsecured loan of 200,000 yuan?
Unsecured loans are generally loans based on customer reputation, that is, credit loans. In this regard, as long as the customer is over 18 years old (inclusive), he has full capacity for civil conduct; Maintain good personal credit, and there is no bad information in the credit report (big data) (mainly check the records in the past two years); At the same time, with a legal and stable source of economic income and the ability to repay the principal and interest of loans on time, loans can generally be handled smoothly.
When customers apply to banks or lending institutions, they only need to provide personal ID card, proof of residence (household registration book or temporary residence permit) and proof of income (bank account or payroll); Or you can apply for and submit your identity information and work income information directly on the loan platform through online channels.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
Before, I also needed business turnover. I have used several microfinance products. The first one I applied for was a small amount of money (formerly Baidu Finance), which was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle in advance. It doesn't matter to us how long the interest will last. Make sure to mention it first.
My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.
The third is that Ping An Bank can borrow up to 500,000 yuan in new loans (fast loans)! 0 mortgage 0 guarantee: no guarantee is needed, only personal credit is needed, and the application threshold is low: you can apply for a monthly income of more than 4,000 yuan (provident fund, mortgage, and insurance policy are all available).
Ping An Xin Yi Dai Click Online Measurement
What are the requirements for an unsecured loan of 50,000 yuan?
Loan application amount: up to 6,543,800 yuan. Personal unsecured loan: loan application conditions. The loan can be released within 3 working days at the earliest. Have a stable occupation, with an after-tax income of more than 3,000 yuan; 5. Work in the current unit for 6 months: 1.22-60 years old; 2. Have China nationality (excluding Hong Kong, Macao and Taiwan residents); 4; 3。 Loan processing period: During this business period, if you need to apply for an unsecured loan in a bank, the interest will fluctuate around 6%. Different occupations, different identities, different wages and different unsecured loan lines. We all know that unsecured loans have no collateral as repayment guarantee, so the loan amount is not as large as mortgage loans. At present, the loan amount of personal unsecured loans is usually about 10 times of personal monthly income. The high amount of unsecured loans is 10 million yuan, but the specific situation needs to be closely related to the local urban economic development level and personal qualifications. Personal unsecured loans are generally handled by banks, and a few are handled by formal loan companies. The loan amount that different lending institutions can apply for is often different.
Legal basis: Article 17 of the General Principles of Loans stipulates that a borrower applying for a loan should meet the following basic conditions: marketable products, profitable production and operation, no misappropriation and diversion of credit funds, and abiding by credit, and should meet the following requirements: the borrower has the ability to repay the principal and interest on schedule, and the original loan interest payable and the due loan have been paid off; If there is no repayment, a repayment plan approved by the lender has been made;