If it is overdue for three consecutive times, it is a bad record for three consecutive times, which will be listed as a concern by the bank. It is necessary to cover the bad records with two years of good credit card consumption records and timely repayment records before the loan.

Personal small short-term loans refer to RMB credit loans with a term of less than 1 year and an amount of less than 300,000 yuan, which are used to solve the temporary consumption needs of borrowers without guarantee. The borrower refers to a China citizen who has a fixed residence in China, a fixed residence in a local town (or a valid residence certificate) and has full capacity for civil conduct.

Borrower conditions

1. China citizens with permanent residence in China, permanent residence (or valid residence certificate) in local towns and full capacity for civil conduct;

2. Have a proper occupation and stable economic income (monthly salary income should be above 1 000 yuan), and have the ability to repay the loan principal and interest on schedule;

3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;

4. Abide by laws and regulations, and have no illegal acts and bad credit records;

7. Other conditions stipulated by the lender.

loan application

When applying for a loan, the borrower shall provide the following information to the lender:

1, loan application approval form;

2. My valid ID.

3. Valid proof of address

4. Proof of stable income

General process

1. Apply for a loan from the bank,

2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;

3. Sign a loan contract, etc. ;

4. Real estate mortgage registration;

5. What is the longest repayment period of a bank loan? The average personal loan is up to 5 years; Repay by installments every month, instead of repaying the principal at one time.

How to apply for small loans?

To apply for a small loan, you generally need to meet the following conditions:

First, Chinese mainland residents can provide personal identification (ID card, household registration book, marriage certificate, etc.). ).

Secondly, it has a fixed address and place of work and business, and can provide proof of address (house lease contract, water and electricity bill, etc.). ).

Thirdly, have a stable source of work or economic income, good credit standing, and can provide proof materials such as bank serial number and labor contract.

Finally, without a bad credit record, the loan cannot be used for purposes prohibited by state orders.