Personal loans include:

Personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, personal large deposit certificates (government bonds) pledge loans, etc. These loans mainly apply for loans from credit loans and mortgage loans, and the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided.

Bank loan requirements:

(1) Urban permanent residents who have reached the age of 18 and have full capacity for civil conduct or legal and valid residence identification;

(2) pay the down payment;

(3) have a stable legal income and the ability to repay interest;

(4) When a property buyer applies for a loan, he should have free funds of not less than 30% of the purchase price.

(5) The borrower agrees to use the purchased house and its rights and interests as collateral;

(6) The purchased second-hand house has clear property rights and meets the requirements for entering the real estate market stipulated by the local government;

(7) The purchased house is not within the scope of the demolition announcement.

(8) Other conditions required by the lending bank.

personal loan

Application conditions

1. China citizens with fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, aged over 18 and under 65, with full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and have no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Open a personal settlement account;

7. Other conditions stipulated by the bank.