First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.
Third, the credit record is good and there is no bad credit record.
Fourth, it can provide legal and effective guarantees recognized by banks.
Fifth, other conditions stipulated by the bank.
Generally meet the above conditions, you can apply for a loan from a commercial bank.
Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation.
Does the immediate family loan affect my loan application? I haven't heard that this has an impact. If it is your lover, it is estimated that it will be there.
Won't credit loans affect individuals and immediate family members? If you owe it to a formal institution such as a bank, it will certainly not cause personal injury to you and your family, mainly to you personally, not to your family! If it is light, there is something wrong with the personal credit record, and you will not be able to borrow money in the future. If it's serious, it's a crime and you're going to jail!
So we still have to find a way, or communicate with the bank to see if there is any way to postpone the return!
Does it matter to me that my immediate family is taking out a loan? As long as it is not with the borrower, the loan has nothing to do with the borrower and guarantor, and nothing else.
Is the testimony of immediate family members valid? The testimony of immediate family members is valid, but the proof effect is low. Of course, if the evidence against relatives is proved, it is also effective.
Can immediate family members transfer shares with loans? They need to solve the problem before they can transfer their shares.
Transfer procedure:
1, sign the contract. Signing a contract means that both buyers and sellers sign a real estate sales contract with the real estate supervision department at the same time, and the transaction price of the house needs to be determined by the staff of the real estate supervision department or according to the evaluation report;
2. Pay taxes. Paying taxes refers to the payment of relevant taxes and fees by buyers and sellers in accordance with state regulations, which currently mainly includes: deed tax, house transaction management fee and property right registration fee;
3. register. Registration means that after the buyer and the seller pay the relevant taxes, the buyer fills in the registration form of house ownership as required and submits all the materials to go through the formalities of property registration;
4. Obtain evidence. Obtaining evidence is the last link. After the transfer, the buyer goes to the property right supervision department to get a new "Property Ownership Certificate", and then the whole transfer procedure is over.
If the borrower fills in the mobile phone number of the immediate family member, will the immediate family member be held accountable if the lender fails to repay the loan? The guarantee responsibility of the loan is subject to the signature of the document that the guarantor voluntarily undertakes the guarantee responsibility, and the establishment of the guarantee responsibility can not be determined by filling in a phone call casually. If so, the borrower can fill in several telephone numbers at will, and let the owners of these numbers bear the guarantee responsibility.
What are the names of immediate family members: father, mother, brother, sister, brother and sister.
Does the criminal record of immediate family members affect soldiers? Absolutely not.
What is the scope of immediate family members? Brothers and sisters should not belong to immediate family members: superior and subordinate relatives of the same blood relationship.
Sisters do not belong to superior and subordinate relatives.