2. Users should have proof of fixed residence or business premises. The certificate of fixed residence can be the real estate license, and the certificate of business place must hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that I am engaged in normal production and business activities.
3. You must have proof of funds. The loan application requires the lender to have certain self-owned funds. This is an important condition for banks to measure whether to lend or not.
4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Loan applicants also need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc.
5. In addition, try to provide the bank with some information about its own credit status, repayment ability, loan investment, etc., which will increase the credibility of the loan and facilitate the smooth acquisition of the loan. Personal credit should be good and there is no bad record.
Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest loans, and the loan interest rate shall not violate the relevant provisions of the state.
If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.
If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
"Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases" Article 26 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the one-year loan market quotation at the time of the establishment of the contract.