To apply for a personal loan, you need to meet the following conditions:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount.

Extended data:

Loan method:

1, payroll card loan

Some banks have salary card loans. That is, your salary is transferred to your salary card through this bank, so you can apply for a personal unsecured loan in this bank.

2. Bank current loans

Bank running water loan does not need to specify a bank to provide bank running water, it can be any bank. It mainly requires the bank to meet a certain period of time and the monthly income to meet a certain amount.

3. There is a joint account of mortgage or provident fund.

You have a mortgage, pay it back on time every month, provide a running mortgage contract and mortgage repayment account, and apply for unsecured loans in some banks and loan companies.

4. Insurance-guaranteed loans

Some unsecured loans need not only bank running water, but also insurance guarantee.

5. Jointly guaranteed loans

Mortgage loans do not require collateral, but members of the joint insurance team are required to guarantee each other's loans. Most of these loans are credit cooperatives and postal banks.

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