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 credit information of the lender in the past six months, and the credit information 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. I hate harassing phone calls that harass my life and work from morning till night every day, but I can't help it. I don't know how they know my phone number and other personal information. At the beginning, I will listen to the other person's inquiry politely, and then refuse politely. Today, two years later, I hung up as soon as I heard the words "loan, bank, interest". Until two months ago, I received a phone call calling myself "Manager Zhang" and told me exactly my name, when and how much I borrowed from which bank. This aroused my vigilance. I pretended to be interested and recorded the whole process. This company called Xinfuyuan has 10 telephone booths, and it repeats the sound I have heard 10 times every day. "Sir, our bank now has a mortgage-free and guarantee-free loan, and the interest rate is as low as 4%. Are you interested in coming over to find out? " I was led into a 4-square-meter reception room, asked a few questions, and asked me to sign a personal letter of authorization from Ping An Bank. Manager Zhang said that he has channels and cooperation with all major banks, and he can give a loan amount according to the personal credit report in five minutes. I have done risk control in a state-owned banking financial institution, and I know the importance of personal credit report content to a person's privacy, work unit and telephone number, education background, family spouse information, loan record, address and telephone number, etc. But in order to follow the clue, I signed it. Sure enough, the manager got my personal credit record and read it to me with his mobile phone in front of me. He left the company on the pretext that he needed to consider how much money to borrow, and then started the road of safeguarding rights. I found the Shenzhen Banking Regulatory Bureau with my total recall video and the credit report with inquiry records, and the Shenzhen Banking Regulatory Bureau refused my request on the grounds that there was no evidence to disclose my personal information. I also raised an objection to the Shenzhen Central Sub-branch of the People's Bank of China, and the feedback from Ping An Bank was that the inquiry was legal. According to Article 12 of the Interim Measures for the Administration of Basic Database of Personal Credit Information/FLFG/2005-08/31Content _ 27680.htm, commercial banks can inquire personal credit reports from the personal credit database for the following businesses: (1) Examining personal loan applications; (2) Examining applications for personal credit cards and quasi-credit cards; (3) Examining individuals as guarantors; (4) Managing the post-loan risks of personal credit; (five) to accept the loan application of a legal person or other organization or as a guarantor, it is necessary to inquire about the credit status of its legal representative and investor.