1, a citizen of China who has a fixed residence in China, a fixed residence in a local town or other valid documents and has full capacity for civil conduct;
2. Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan 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;
5. Open a credit card or current savings account in a bank;
6. Sign an agreement with the lender to deduct the loan from its credit card or current savings account;
7. Other conditions stipulated by the lender.
Required materials
1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;
3. Provide stable proof of income source, bank flow sheet and labor contract.
Treatment process
1. The borrower needs to submit a series of application materials to the bank.
2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract.
3. The bank issues loans to borrowers through transfer.
4. The borrower shall repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract.