First, personal loan application conditions:

1, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

3. Good credit record and no bad credit record.

4. It can provide legal and effective guarantee recognized by the bank.

5. Other conditions stipulated by the bank.

Two, meet the above conditions, you can apply for loans from commercial banks.

Extended data:

Matters needing attention in personal loan

1. When applying for the loan amount, we must be moderate and fully consider the financial situation and financial habits of individuals and families. Usually, the monthly repayment amount should not exceed 50% of the total family income.

2. Keep a good credit record of bank loans-interest network. Once the credit record is bad, it will directly affect the operability of loans and may even be refused by banks.

3. Provide real personal information to the bank when lending, cultivate a good sense of integrity from the beginning, and never provide false information, otherwise it may be blacklisted by the bank and rejected by all banks; Notify the bank in time when personal information changes.

4. The loan applicant should have a stable source of income and have the willingness and ability to repay. Office workers should provide proof of unit salary, bank running water and so on. , and operating companies or self-employed individuals should provide information on their operating conditions, such as bank running water, physical assets (such as real estate) and financial assets (such as bank deposit certificates and government bonds).

5. When borrowing from a bank, the purpose of the loan should be explained, and relevant supporting materials should be provided, such as purchasing real estate, production and operation turnover, decoration, etc.

References:

Baidu encyclopedia-personal loan