1, to apply for a credit loan in external account, the borrower needs to have a stable job, a stable income and full capacity for civil conduct, a fixed residence and good personal credit. To apply for a mortgage loan, it is necessary 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 stable actions, income and good credit in the local area.

3. If you buy a house with a loan from a different place, it depends on local specific regulations. In many areas, borrowers with foreign hukou are required to have a stable job in the local area and how many years to work. The years here are subject to local regulations, and some areas also require social security. At the same time, we must have sufficient repayment ability and good personal credit.

Whether a loan guarantor is needed or not, banks will generally consider the loan risk, mainly depending 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 feels that the borrower is unqualified in some aspects, it will refuse the loan or ask for additional guarantee.

Extended data:

Loan principle:

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

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 or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

References:

Baidu encyclopedia-loan