Different loan types have different requirements:
1, to apply for a foreign account credit loan, the borrower needs to have a stable job, a stable income and full capacity for civil conduct, a fixed residence and good personal credit. If you apply for a mortgage loan, you need to provide collateral recognized by the lending institution as collateral.
2. If you buy a car with a loan from a different place, there is generally no household registration restriction, but you still need to have a stable operation, income and good credit in the local area.
If you buy a house with a loan from a different place, it depends on the local specific regulations. In many areas, borrowers with foreign accounts must have a stable job in the local area and have to work for how many years. The number of years here is subject to local regulations, and some areas also require payment of social security. At the same time, we must have sufficient repayment ability and good personal credit information.
Whether or not a loan guarantor is needed, banks will generally consider the loan risk, which mainly depends on the borrower's conditions. For example, the borrower has ideal conditions in all aspects, high income, stable occupation and good credit, and generally does not need to increase the guarantor. If the bank thinks that the borrower is unqualified in some aspects, it will refuse the loan or ask for additional guarantee.
Extended data:
Loan principle:
"Three natures" refer to safety, liquidity and efficiency, which are the basic principles of commercial banks' loan operation. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period of time or realize it quickly without loss of land, so as to meet the demand of customers for withdrawing deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if long-term loans are issued, the interest rate will be higher than short-term loans, and the benefits will be good. However, if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and the loan can be without problems.