Meet the above conditions, users can try to apply for a bank loan of 300,000 yuan, and large loans will require higher credit qualifications for individual users.
Due to different loan types, the conditions and materials for applying for loans are also different. The following will introduce the conditions required for several common loans.
Loan type 1: personal credit loan
Personal credit loan is a fashionable loan method, so what are the conditions for applying for this kind of loan? Usually, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times after approval, that is, an unsecured loan, which is a new loan of Ping An Bank.
Loan Type II: Housing mortgage loan
The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and the pressure of repayment is relatively small. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements for the income and credit of the lender, the life of the house should be within 20 years and the house area should be more than 50 square meters; The house has a strong liquidity; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, you can apply for a loan of up to150,000 with a maximum term of 20 years after submitting relevant information and obtaining the approval of the bank.
Loan Type III: College Students' Entrepreneurship Loan
College students pay more attention to this kind of loan than we thought. Many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan? Generally speaking, college students' entrepreneurial loans require: college students and college students who graduate within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.
Loan Type 4: Self-operated loan
Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this loan method. What are the conditions for applying for this loan? Generally speaking, it is necessary to have full capacity for civil conduct and a local hukou; Having a fixed business place and a stable income; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.
Loan type 5: Housing mortgage loan
Many people buy houses and apply for mortgage loans, so what are the conditions for loans? Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.