The borrower must be a natural person with full capacity for civil conduct, legal and valid identity documents, good credit standing, a stable source of income and the ability to repay the principal and interest on schedule. Two, the amount and duration of the loan is determined according to the purpose of the loan.

The loan amount varies according to the purpose of the loan, as follows: (1) The purpose is to buy a house, and the maximum loan amount is100000 yuan; (2) car purchase, the maximum loan amount is 2 million yuan; (3) For educational purposes, the maximum loan amount is 6,543,800 yuan;

(4) For other legitimate consumption, the maximum loan amount is 500,000 yuan. Among them, the purpose is to purchase housing and education, and the longest term is 10 year; The longest period for legitimate consumption such as car purchase is 5 years. Three. Information to be prepared when applying for a loan

At the same time, these application materials need to be prepared: (1) personal loan application form;

(2) Identification certificates of the borrower and spouse (resident ID card, passport, household registration book, etc.). ) and marriage certificate; (3) Consumption contracts, invoices, admission certificates issued by educational institutions, etc.

(4) Proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). );