Generally speaking, to apply for a personal loan, you need to meet the following conditions:
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Other conditions stipulated by the bank.
Extended data:
Provide true information to the bank, accurately provide my address and contact information, and notify the bank in time when it changes; The use of money should be legal and compliant, and the trading background should be true; According to their repayment ability and future income expectations, choose the repayment method that suits them; Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income.
Read the terms of the contract carefully and understand your rights and obligations; Repay on time to avoid bad credit records; Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan.
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