Conditions for applying for a small loan from a bank:
(1) must be a citizen of China with full capacity for civil conduct. Generally, the age is required to be between 18 and 60 years old, and some banks will limit it to 25 to 50 years old;
(2) Having a fixed residence in China, or having a fixed residence (or valid residence certificate) in a local town, or having a fixed business place;
(3) Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule;
(4) There is no bad credit record, and the loan funds cannot be used for stock trading, house purchase and gambling;
(5) Other conditions for small loans stipulated by various banks.
Apply for a small loan from a loan company:
The requirements of different products of small loan companies are different, but they basically include salary, age and personal credit information.
(1) Income requirements: the monthly income after tax is more than 3,500 yuan, and the monthly salary for nearly 6 months is required;
(2) Working years: continuous work in the current unit 12 months;
(3) Social security requirements: social security payment records are required;
(4) Industry restrictions: applications from sales personnel in the real estate industry, sales personnel in the entertainment service industry and military personnel (except those with ID cards) will not be accepted for the time being.
Private lending to apply for small loans:
In fact, the application threshold for private lending is relatively low. In addition to providing ID cards, household registration books and other basic documents, it may be necessary to provide guarantors or collateral, depending on the direct relationship between borrowers and borrowers. In addition, we should also pay attention to these aspects:
(1) Legal private lending must be voluntary lending by both parties. Therefore, after finding a reliable borrower, we must first understand whether the source of funds is reasonable and whether we can handle it well.
(2) The interest of legal private lending shall not exceed the upper limit set by the state (4 times the bank loan interest rate for the same period). Judicial protection zone: the court will protect the agreed interest not higher than the annual interest rate of 24%. High-interest invalid zone: the court will not protect the agreed interest exceeding the annual interest rate of 36%, and the borrower can ask the lender to return the overpaid part;
(3) The signing of the loan agreement, that is, the signing of the debt, is also very important. You must sign in the relevant format, and be careful not to be confused by typos.
Apply for a small loan from a third-party lending platform:
The third-party loan platform belongs to the information intermediary platform and does not participate in lending. It only provides loan products for borrowers and does not charge any formalities. Different products have different application conditions, which basically need to meet the following information:
(1) Both students and office workers should be 18 years old or older;
(2) To have a formal second-generation real-name ID card, it is generally necessary to upload the ID number and the front and back photos during the processing, and some products may also need to hold ID photos;
(3) Good personal credit information is generally reflected in credit information, credit card bills and sesame scores.
(4) Stable repayment ability is generally reflected in monthly income, work situation, social security accumulation fund and personal assets. ;
Except for the age limit and ID card, other information will depend on the application conditions of each product, and not all the above information must be provided for each product. The final loan amount will be comprehensively judged according to all the information provided by the borrower. If the comprehensive score reaches the standard, the loan will be granted. If you fail to meet the standards, you can continue to apply for more suitable products according to your own qualifications.