Conditions to be met when applying for a personal loan:

1. A citizen of China who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is over 18 and under 65, 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. Open a personal settlement account;

7. Other conditions stipulated by the bank.

Information required for applying for personal loan:

The loan applicant applies to the bank, fills in the application form in writing, and submits the following materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Proof of income or personal assets;

5. If mortgage loan is adopted, it is required to provide the house ownership certificate of the mortgaged house, the identity certificate of the owner of the mortgaged house (including the legal co-owner), the marital status certificate and the written certificate of consent to mortgage; according to the rules

Assess the value of collateral and provide assessment reports; If the mortgaged house is exempted from evaluation, relevant certification materials that meet the conditions for exemption from evaluation shall be provided, including the transaction contract or the latest evaluation report;

6. Use plan or loan purpose statement;

7. Other information required by the bank.

The process of applying for personal loan:

1. The borrower applies for a loan from the local branch and submits relevant materials;

2. Local branches accept and conduct credit surveys;

3. The local branch conducts risk assessment and loan review, and gives a reply;

4. Sign a loan contract and approve the loan;

5. Loan issuance;

6. Payment management (independent payment by the borrower or entrusted payment by the lender);

7. Post-loan management and risk assessment.