What documents are needed for a personal loan?
The following documents are required: 1. Lender’s ID card; 2. Lender’s credit information for the past six months, and the credit information is good; 3. Lender’s name Bank card transactions for the past six months without interruption; 4. Proof of the lender’s residence permit (rental contract, property certificate, water, electricity, and gas invoices for the past three months); 5. Income certificate issued by the lender’s workplace; 6 , social security, insurance policies, and provident fund monthly payments can also be borrowed. Article 11 of the "Interim Measures for the Administration of Personal Loans" Article 11 Personal loan applications shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations; (2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no major bad credit record; (6) Other conditions required by the lender.
What are the requirements for a personal loan?
Hello, general loans require: 1. The borrower is between 22 years old (inclusive) and 65 years old, and has a complete capacity for civil conduct. 2. Good credit score, repayment ability and source of repayment. 3. The purpose of borrowing must be clear and legal. Borrowings must not be used to engage in speculative business activities in equity, securities, and futures. Borrowings must not be used to engage in real estate speculation. Borrowings must not be used to obtain illegal income. 4. There is collateral (the collateral cannot be mortgaged across provinces, the borrower has complete disposal rights, the collateral has not been mortgaged, and there is no law).
What do individuals need to get a bank loan?
Materials required for bank loans: Mortgage loan: ID card, household register, marriage certificate, income certificate, bank statements, property rights certificate, land certificate ( If you are married (please bring the information of both spouses); credit loan: ID card, income certificate, salary statement (because the bank only provides punch-in wages), residence certificate, water and electricity invoices, and providing proof of financial resources can help increase the limit, such as property rights certificates, etc. You can apply, no spouse is required.
Legal Basis
Article 389 of the "People's Republic of China and Civil Code" The scope of security for security rights includes the principal creditor's rights and its Interest, liquidated damages, damages, costs of keeping the secured property and realizing the security interest. If the parties agree otherwise, such agreement shall prevail.
Article 410 of the "People's Republic of China and Civil Code" Realization of Mortgage Rights If the debtor fails to perform due debts or the circumstances agreed by the parties to realize the mortgage rights occur, the mortgagee may negotiate with the mortgagor According to the agreement, priority will be given to the proceeds from the discount of the mortgaged property or the proceeds from the auction or sale of the mortgaged property. If the agreement harms the interests of other creditors, the other creditors may request the people to revoke the agreement. If the mortgagee and the mortgagor fail to reach an agreement on the method of realizing the mortgage right, the mortgagee may request the people to auction or sell the mortgaged property. If the mortgaged property is discounted or sold, the market price shall be referred to.
What are the conditions for personal loans? These must be met
1. Chinese citizens with full civil capacity
Full civil capacity means that citizens can use their own conduct any civil activities independently. Citizens who are over 18 years old and mentally healthy are persons with full capacity for civil conduct. Taking into account the current situation of our country's nine-year compulsory education system, citizens who are over 16 years old and under 18 years old.
2. Have the ability to repay the principal and interest of the loan on time
Have the ability to repay the principal and interest of the loan on time, that is, the borrower has a stable career and stable income and can repay the principal and interest of the loan on time. For example, if the monthly income and fixed balance are more than 10,000 yuan, and the monthly repayment is less than 5,000 yuan, you can be considered capable.
3. Have a good credit record and willingness to repay.
Have a good credit record and willingness to repay, and have no bad credit record. Maintaining a good credit record can improve the convenience and possibility of individuals obtaining financial support and financing services. Establish your own creditworthiness and work hard to maintain a good credit history.
4. The monthly income is more than 2,000 yuan
The borrower has a stable career or other sideline business, but has a stable income, and the average monthly income is more than 2,000 yuan. Generally speaking, as long as you have a stable job and income, and a monthly income of more than 2,000 yuan, you can apply.
The loan amount is generally 5-8 times the monthly income, which means that if the monthly income is 2,000 yuan, you can get a loan of more than 10,000 yuan.
5. There must be no bad records left in the bank
If the bank's recruitment conditions include "no bad records", it means being blacklisted by the banking industry and having problems with professional ethics. Yes, it definitely does not mean that you failed in the examination subjects. In other words, as long as you have not been kicked out of other banks before, you have no bad record.
What conditions do individuals need to meet for loans from banks?
Nowadays, banks generally provide mortgage loans. The necessary items are ID cards and household registration books. If you are married, you also need to provide your spouse’s ID card. , household registration book, marriage certificate, the most important thing is the state-owned land use certificate and real estate certificate, income certificate, asset certificate, repayment source certificate, it is better if there is a guarantor. Regarding interest rates, each bank is different. Please consult your local bank for details.
Personal loan targets and conditions:
1. Loan targets:
1. Chinese citizens with full capacity for civil conduct and overseas residents with the right of abode in mainland China , foreign citizens;
2. Pay the first installment of the house purchase payment (not less than 30% of the total purchase price);
3. Have stable economic income and be able to repay the principal and interest of the loan. Ability;
4. Agree to use the purchased property as collateral for the loan.
2. Meet the following conditions at the same time:
1. Hold a legal household registration book (not limited to this city), ID card or business license, legal representative certificate or legal residence permit, passport , purchase commercial housing from a bank-designated developer in this city;
2. Open a special deposit account in the bank, with the deposit balance not less than 30% of the payment for the house to be purchased;
3 , Have a valid house purchase contract, agreement and other supporting documents;
4. Agree to use the property under the house purchase contract as a mortgage;
5. Be willing to fulfill all the terms of the loan contract ;
6. Other conditions specified by the bank.
Three materials that need to be issued and provided:
1. Original and copy of resident ID card;
2. Original and copy of house subscription letter; < /p>
3. The original and copy of the down payment;
4. Proof of monthly payment ability, including: proof of personal and family income, deposit certificate (passbook or other securities) )wait.
What are the requirements for a personal loan? The answer is here
Loans are a very familiar thing for many of us, because it is inevitable that there will be a shortage of funds in life. At this time, loans become our best choice. , but many friends don’t particularly understand when applying for a loan. What are the conditions for a personal loan? Today we will briefly answer this question!
What are the conditions for a personal loan?
When we apply for personal loans, there are many conditions required, the details are as follows:
1. Be 18 years or older, have full civil capacity, and have a valid Proof of residence and identification.
2. Have proof of stable legal income and the ability to repay interest.
3. Personal qualifications must meet the standards: After the loan application, the loan qualifications will be comprehensively assessed from the borrower's real estate, income, occupation, credit, education, etc., of which financial resources, occupation, and income are also important. Judging criteria, generally speaking, employees of state-owned enterprises and civil servants are more likely to be approved.
4. The loan information must be complete and true: When applying for a personal consumption loan, the borrower needs to provide valid proof of identity, marriage certificate, income certificate and other valid financial proof, etc. It is best to submit these information before the loan. Be prepared and be authentic.
5. Determine the loan amount and term: If the borrower applies for a loan with personal credit, the maximum amount can reach 500,000; if a house is used as a mortgage, the maximum amount can reach 7% of the house valuation. However, these are only limits on the maximum loan amount set by the lending institution. The specific loan amount depends on the qualifications of the borrower.
The above is an answer to the requirements for a personal loan. I hope it can help you solve your life problems.