There is a bank card that cannot be used as the basis for a loan. Loans need to meet the bank's loan conditions before they can be processed. General banks require proof of income, car, real estate, work certificate, etc. In order to issue loans.

2. Can I get a loan by building a bank card?

Not just look at the bank card. If this bank card is a salary card and meets the requirements for more than 6 months, it belongs to the repayment source in the loan materials, but the loan also needs other materials such as address certificate, work certificate, identity certificate, credit investigation and so on.

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 statement;

8. Other information required by the bank.

Requirements for bank loans:

(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, 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.

3. Can I get a loan by building a bank card?

You can't just build a bank card to make a loan, and you can apply for a loan only if you meet the bank's loan conditions. Bank loan refers to an economic behavior that banks lend funds to people in need at a certain interest rate according to national policies and return them within the agreed time limit. Due to different loan types, the conditions and materials for applying for loans are also different.

Extended data:

The requirements for bank loans and personal loans are as follows:

The bank requires the borrower to have a second-generation ID card, a stable work certificate, a certificate of income, a certificate of loan use and a good personal credit status, which has certain restrictions on the borrower's income. Usually, the borrower is required to have an average monthly income of not less than 4,000 yuan.

After submitting relevant application materials, banks can apply for loans with a monthly income of 5-8 times, that is, unsecured loans and new loans from Ping An Bank.