Bank of China provides personal consumption loans, which are divided into personal mortgage consumption loans and personal unsecured consumption loans according to whether there is mortgage or not. The main loan conditions include:
1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. People's Republic of China (PRC) citizens, including Hong Kong, Macao and Taiwan residents who have worked continuously in People's Republic of China (PRC) for 1 year or more, hold valid identity documents that meet the regulatory requirements and have a fixed residence in China. Hong Kong, Macao and Taiwan residents should own their own real estate at the place where the loan is applied;
3. Have a continuous and stable source of income, and have the ability and willingness to repay the loan principal and interest on schedule;
4. The credit status is good, and there is no bad credit record in BOC and its peers;
5 to apply for personal mortgage consumer loans, but also to provide collateral recognized by China Bank as a loan guarantee;
6. You need to open a deposit account with BOC before handling personal consumption loans;
7. Other conditions stipulated by laws, regulations, regulatory agencies and Bank of China.
Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
What are the requirements for personal credit loan application?
To apply for a credit loan, you must meet the following conditions
1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct.
2. Have permanent residence or valid residence status in China.
3. The life of bank credit loan first requires the borrower to have a good credit record.
4, have the ability to repay the loan, provide stable proof of occupation and income source, bank flow, etc.
5. Provide valid property information, insurance policy, social security fund, automobile, business license and other relevant financial certificates.
Materials to be provided for personal credit loans
After meeting the above conditions, consumers can successfully apply for personal loans from banks. Because different banks have different interest rates and different requirements, different applicants have different qualifications and different approval results. It is recommended to know the situation from local lending institutions and make full preparations before applying.
When applying for a personal credit loan from a bank, the borrower shall fill in the application form in written form and submit the following materials:
1, valid ID card.
2. Proof of address (household registration book, etc.). )
3. Personal professional information
4. Proof of income of the applicant and family members
5. Other information required by the bank.
How to borrow personal credit loans?
You can apply for a credit loan through the following channels:
1. You can apply for a credit loan through online banking: the applicant can log in to our online banking, find the option of personal credit loan in the column of personal loan in official website, and then apply;
2. Handling credit loans through loan software: Applicants can choose a formal and credible online lending platform to apply;
3. The applicant can also bring the original and photocopy of ID card, asset certificate and marriage certificate. , and handle credit loans at the counter of bank outlets.
How to borrow personal credit loans?
Personal revolving loan of online banking of Bank of China is an extension of secured (pledged) personal revolving loan and unsecured (pledged) personal revolving loan in electronic banking channel. When you get the personal revolving loan quota of online banking, you can use online banking for self-service payment and repayment. After approval, the Bank will divide the personal revolving online banking loan quota for the borrower and open an exclusive online banking loan account. Borrowers can borrow and recycle.
Before applying, you must apply for the personal online banking wealth management version or VIP version of our bank (personal revolving loan cannot be applied for when inquiring about online banking) and apply for signing the contract at the branch counter. After processing, enter "Loan Management-Loan Payment-Personal Revolving Loan" and click "Pay" in the personal revolving loan list on the right side of the page; On the "Please Enter Loan Elements" page, enter the loan amount, select the collection account and click "Next"; Sign the personal revolving loan contract for online banking of Bank of China Co., Ltd., and after being authenticated by the security tool (BOC E mobile phone transaction code), the loan funds will be distributed to the collection account you choose.
The above contents are for your reference. Please refer to the actual business regulations.
What are the requirements for personal credit loans of banks?
People usually need insufficient funds, so they will apply for loans from banks to solve their urgent needs. We all know that only by meeting the requirements of bank loans can we successfully apply for bank loans. So what are the requirements for bank loans? Next, Bian Xiao will briefly introduce it to you.
1, bank loans can be divided into individual credit loans, housing mortgage loans, housing mortgage loans, enterprise loans, individual industrial and commercial households loans and other different types. Banks have different requirements for different loan types. For example, we apply for a personal credit loan from the bank. Banks usually require applicants to have valid identification; Have a stable and legal income, and the monthly income can not be less than 4000 yuan; The applicant has a good personal credit and needs to provide the bank with proof of the purpose of the loan.
2. If we apply for a mortgage loan from a bank, the bank will usually require the applicant to be between 18-60 years old, with full capacity for civil conduct and valid identification; Applicants need to have a stable and legal income and be able to repay the principal and interest on time; Having a house purchase contract, sufficient down payment funds and collateral approved by the bank; Good personal credit, etc.
3. If you apply to the bank for individual industrial and commercial loans first, then the bank usually requires the applicant to be a person with full civil capacity, aged between 18-60 years old. The applicant is an individual industrial and commercial household engaged in legal production and operation, with a fixed business place in the local area and a stable and sufficient economic income. Moreover, the applicant needs to provide collateral recognized by the bank and open a deposit account in the bank where the loan is made.
Bian Xiao: What are the requirements for bank loans? Bian Xiao gave a brief introduction here. Different types of loans, loan banks have different requirements for applicants. Before you apply for a loan, you must consult the employee about the conditions of the loan in detail.
How to apply for personal bank credit loan in China? What's the amount, if possible?
There are many kinds of loans from banks in China, with different amounts and different procedures. You can go to China Bank official website to learn about the loan process and amount. Take China Bank's credit loan-BOC e-loan (personal online consumption loan) as an example;
Processing flow:
Download the "Online Financial Supermarket" APP, and click "BOC e-loan" to register and bind the BOC debit card; Click activate, fill in the contact information online and sign the agreement, and then submit the loan application; After approval, click Withdraw, select the purpose, amount and term of the loan as needed, and enter the mobile phone verification code and dynamic password. After the successful withdrawal, the funds will arrive immediately.
Loan amount: up to 300,000 yuan.
Extended data:
Basic conditions need to be met for opening BOC e-loan:
1, personal credit information
Bank loans generally check credit records. If there are too many overdue records in the credit report, it will affect the pass rate.
2. Invited customers
If you want to open BOC e-loan, you need to be a special guest of China Bank, that is, you need to buy the financial assets of China Bank, such as wealth management, national debt, insurance and funds. Or you have money in China Bank, running water, a housing loan customer of China Bank or a private bank customer. For details, please call Bank of China.
BOC Easy Loan Product Description:
Term of loan: the validity period of the loan line is 12 months, and the borrower can recover the loan line within the loan line period.
Usage: The credit line can be recycled within the validity period and can be repaid with the loan. The loan shall bear interest on a daily basis according to the actual days of use.
Repayment method: One-time repayment of principal and interest, monthly repayment of principal and interest and other repayment methods can be used for single repayment.
Guarantee method: credit loan, without mortgage guarantee.