Banks that are easy to handle personal loans are: China Construction Bank, Industrial Bank, Agricultural Bank, China Merchants Bank, Industrial and Commercial Bank, Huaxia Bank, etc. As long as the loan conditions are met, the repayment ability is sufficient, and the credit is good, and the corresponding loan materials are submitted and applied according to the loan process, the probability of passing is relatively high.

Generally speaking, the materials required for an individual to borrow from a bank are as follows:

1, the applicant holds a valid ID card and household registration book;

2. Proof of marital status (valid ID card, household registration book and marriage certificate of the spouse are required for marriage);

3. Income certificate (the applicant's income certificate for half a year or local tax payment certificate);

4. Collateral (the sum of the loan amount and interest during the loan period cannot exceed the assessed value of collateral 1/2).

Where can I get a loan?

Hello, ICBC.

1, Industrial and Commercial Bank of China

ICBC's personal comprehensive consumption loan has a wide range of consumption purposes, a high loan amount and a long loan period.

2. China Merchants Bank

Credit loans of China Merchants Bank can be issued by stages according to customers' needs, and the sum of each loan amount does not exceed the approved loan amount. Each loan has the same loan term and repayment method.

3. China Construction Bank

CCB has a high loan amount, a wide range of consumer uses and a low loan interest rate. The fast e-loan launched by CCB has an interest rate of around 7.6%.

4. Industrial Bank

The longest credit period of the comprehensive personal consumption line of Industrial Bank can reach 10 year. During the credit period, the line is reused, and the used line can be recovered after the loan is repaid.

Extended data

Matters needing attention in loan are as follows:

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.

9. When foreigners apply for commercial loans, banks generally require borrowers to have stable income in the local area, but also to open household registration certificates (some banks also require employment certificates), while housing guarantee companies require foreigners to apply for temporary residence permits in addition to local income.