1. Personal credit loans refer to RMB credit loans issued by banks to borrowers with good credit without providing guarantee. The purpose is to provide unsecured RMB credit loans to solve the temporary consumption or business needs of borrowers. The loan amount is less than 500,000 yuan, and the loan period is generally 1 year, and the longest is not more than 3 years.
Second, personal credit loans are generally not extended. If the loan cannot be repaid on schedule due to force majeure or accidents, with the consent of the bank, the loan term within 65,438+0 years (inclusive) may be extended once. The extension period shall not exceed the original loan period, and the accumulated loan period (inclusive) shall not exceed 65,438+0 years.
Three, the loan conditions, refers to what conditions the object has to get a loan. It is a specific requirement for the loan object. All enterprises that meet the requirements of "conditions" within the "object" can obtain bank loans. The basis for determining the loan conditions is: the legality of the establishment of enterprise units, the independence of operation, the adequacy of its own capital, the profitability of operation and the safety of loans. Therefore, enterprises, institutions and individuals that need to apply for loans from banks must meet the following basic conditions.
The current loan conditions of China Commercial Bank are:
1. legality of operation
2. Independence of operation
3. Have certain self-owned funds.
4. Open a basic account in the bank.
5. Have the ability to repay the principal and interest on schedule.
Personal credit loan conditions:
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. There is no bad record on the national credit record;
5. Other personal credit loan conditions stipulated by the bank.
Second,
3. Can the credit card limit of Minsheng Bank be 1 10,000 yuan?
You can get a loan if you meet the conditions.
Loan application conditions:
1, Chinese mainland residents aged 18 but not more than 6 1;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Loan processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Information required to apply for a loan:
1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;
3. Provide stable proof of income source, bank flow sheet and labor contract.
4. Provide proof of loan use.