To apply for a personal loan from China Bank, you must meet the following conditions:
First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.
Third, the credit record is good and there is no bad credit record.
Fourth, it can provide legal and effective guarantees recognized by banks.
Fifth, other conditions stipulated by the bank.
Information that an individual needs to provide when applying for a bank loan:
Loan application;
Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife;
Property * * * Someone agrees with the loan opinion;
Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). );
Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months);
Loan contract.
For personal guarantee, the following information shall be provided:
Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife;
Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). );
Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months);
Personal bank credit information inquiry system;
Notarization.
If the loan is rejected, can I apply again? Loans must meet their conditions before they can be issued.
Loan application conditions:
1, if you want to have a fixed income, it depends on the salary details;
2. At least 18-65 years old;
3 loans for business or car purchase, there must be a guarantor and mortgage;
4. Good credit information.
Loan application materials:
1. Lender ID card;
2. The lender's credit information in the last six months is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);
5. Income certificate issued by the lender's work unit;
6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.
If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.
Although the loan products of banks are similar, different banks have different loan requirements for borrowers. If the borrower is rejected by this bank for various reasons when applying for a loan, he can also try to apply for a loan from other banks.
Generally speaking, different banks have different requirements for their own loan products, loan interest rates and borrowers' income levels. Therefore, if the borrower cannot get a bank loan, don't worry too much. You might as well apply for a loan from another bank.
In addition, if the borrower can't get a bank loan because of his poor personal qualifications, he can also apply for a loan through a local private loan company. Compared with banks, private loan companies have more relaxed requirements for borrowers. As long as borrowers have sufficient repayment ability and complete procedures, they can basically get loans.
Can I continue the loan after the loan contract expires? After the loan contract expires, I can't continue the loan and need to apply again. The information of applying for a loan is basically the same as that of the first loan.
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose announcement;
8. Other information required by the bank.
Requirements for bank loans:
(1) permanent residence of urban residents with full capacity for civil conduct or valid identity documents of 18 years old, and the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Other conditions required by the lending bank.
The procedure for handling unsecured loans is usually divided into three steps:
(1) Basic information submitted by the customer, including work unit and contact telephone number.
(2) The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For the self-employed and small and medium-sized enterprises, we should also investigate their operation.
(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.
Can I continue to borrow money to buy a house after the loan is paid off? Yes, if the first suite has paid off the loan, according to the current mortgage policy, the second set of refinancing can be calculated according to the first suite, but the execution time may be different in different places.
Can I continue to borrow without a loan contract? If the contract is lost, you can make up a copy in the center, which has no effect on the loan. Actually, I suggest you log on to Easy Loan. On Easy Loan, you can check the relevant knowledge about college students' loans, and you can also submit your loan questions in the loan question and answer section of Easy Loan. Someone will answer it for you, hoping to help you.
My third loan from Zhengzhou was rejected. . . . . . . . Honey, it's usually about credit and income. You can try Henan Yi Rong loan. Hope to adopt ~!
Can you continue to borrow money after three months? It is recommended to apply for loans through bank channels. China Merchants Bank has lightning loan business. At present, you can only apply through mobile banking or check whether you are eligible to apply.
If you have a savings card of China Merchants Bank, you can log in to mobile banking and enter the application page in "My → All → My Loan → My Lightning Loan".
The maximum loan amount is 300,000 yuan and the minimum loan amount is 1 1,000 yuan; Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
Gitzo's loan has been paid off. Can it continue? If you are looking for a loan from a non-bank institution and are short of money for serious business, you can borrow it from your relatives and friends, and you can also bear it if you want to spend in advance. Online lending, either a liar or much higher than bank interest, is compound interest, that is, interest is paid every month, and the interest next month becomes a new principal. This is called interest rolling and usury.
Online loan risk warning: those loans that require you to pay the advance payment or the first month's interest are all liars. Be careful when you pay. He won't give you money. As long as the money doesn't hit your card, packaging in the early stage, paying the first month's interest, paying the verification fund, activating the fund, remotely operating the deposit and collecting your money are all liars! Who told you to pay first? 1, more than 0,000% came to cheat you. After you give him the money, his phone, QQ and WeChat can't be contacted anymore. Therefore, those who ask you to transfer money and remit money before the money arrives are liars!