General requirements for general bank loans include:
1. The borrower must be a Chinese mainland resident and meet the loan age;
2. The borrower is a person with full capacity for civil conduct;
3. The borrower has a stable income;
4. The borrower has good credit information;
5. The borrower has good repayment ability;
6. Other bank loan conditions. However, because it takes a long time to apply for bank loans, many people choose some reliable credit loans from big brands to solve the problem of urgent need for money.
It is not enough to have a household registration book. The household registration book or ID card is only the basic information of the loan. What you need to apply for is an unsecured loan. Generally speaking, unsecured loans need to meet the following conditions:
1. If you have a stable income, you need to provide the corresponding bank flow as proof, that is, you need to punch in your salary, and your monthly income within half a year should not be less than 2,000 yuan (different banks have different requirements); If it is an enterprise, it is also required to provide public water for nearly half a year.
2. If you have lived and worked in the local area for 6 months, you need to provide any water, electricity, coal and electricity bills of your place of residence for nearly half a year as proof. The unit will issue a work certificate and must be a formal employee who has passed the probation period.
3. Good credit record, that is, the credit card cannot be overdue, twice in half a year, three times in the past year and no more than 60 days. At the same time, if there is a loan record, there may be no overdue repayment record. If you have never used a credit card and have no loan, you can also apply for an unsecured loan if your credit is blank.