Borrower's requirements
1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
Information to be provided by the borrower
1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.
3. Proof of income (format stipulated by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Extended data:
According to the Interim Measures for the Administration of Personal Loans:
Article 29
The lender shall, according to the loan contract, manage and control the payment of loan funds by means of entrusted payment by the lender or independent payment by the borrower.
Entrusted payment by the lender means that the lender pays the loan funds to the borrower's transaction object that meets the purpose agreed in this contract according to the borrower's withdrawal application and payment entrustment.
The borrower's independent payment means that the lender directly pays the loan funds to the borrower's account according to the borrower's withdrawal application, and the borrower independently pays the borrower's transaction object that meets the purpose agreed in the contract.
Article 30
Personal loan funds shall be paid to the borrower's transaction object by means of entrusted payment by the lender, except for the circumstances stipulated in Article 33 of these Measures.
Article 31
Where the payment is entrusted to the lender, the lender shall require the borrower to apply for payment when using the loan, and authorize the lender to pay the loan funds in the way agreed in this contract.
The Lender shall examine whether the borrower's relevant transaction materials and vouchers meet the conditions agreed in this contract before the loan funds are released, and record the relevant details after payment.
Article 32
After the entrusted payment is completed, the lender shall record the flow of funds in detail and collect and keep relevant vouchers.
Article 33
For personal loans under any of the following circumstances, the borrower may make independent payments with the consent of the lender:
(a) the borrower can not determine the specific transaction object in advance and the amount does not exceed 300 thousand yuan;
(2) The counterparty of the borrower does not have the conditions to effectively use the non-cash settlement method;
(3) the loan funds are used for production and operation and the amount does not exceed 500,000 yuan;
(4) Other circumstances stipulated by laws and regulations.
Article 34
If the borrower pays by itself, the lender shall agree with the borrower in advance in the loan contract, requiring the borrower to report or inform the lender of the payment of loan funds on a regular basis.
The lender shall verify whether the loan payment meets the agreed purpose through account analysis, voucher inspection or on-site investigation.
If the lender handles personal loan business in violation of these measures, the China Banking Regulatory Commission shall order it to make corrections within a time limit. Under any of the following circumstances, the China Banking Regulatory Commission may take the regulatory measures stipulated in Article 37 of the Banking Supervision Law of the People's Republic of China:
(1) Failing to investigate and review the loan due diligence;
(2) Failing to establish and implement the system of loan interview and loan contract face-to-face signing as required;
(3) The terms of the loan contract have not been publicized;
(four) in violation of the provisions of article twenty-seventh;
(five) payment management does not meet the requirements of these measures.
Article 42
[If the lender is under any of the following circumstances, the China Banking Regulatory Commission may, in addition to taking regulatory measures in accordance with Article 41 of these Measures, impose penalties in accordance with Articles 46 and 48 of the Banking Supervision Law of the People's Republic of China:
(a) the issuance of unqualified personal loans;
(two) the loan contract signed does not conform to the provisions of these measures;
(three) in violation of the provisions of article seventh of these measures;
(4) Entrust all loan investigation matters to a third party;
(five) beyond or disguised beyond the loan authority to approve loans;
(6) instructing borrowers to obtain loans under fictitious circumstances;
(seven) the borrower's violation of the loan contract should be found but not found, or found but did not take effective measures;
(eight) other circumstances that seriously violate the prudent operating rules stipulated in these measures.
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