Interim Measures for the Administration of Personal Loans Article 11 To apply for personal loans, the following conditions shall be met: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
Information needed for the loan.
Specifically: 1, personal identity document, household registration book, marriage certificate, etc. Loan applicants and their spouses. 2. Proof of personal income, such as: running water from the bank, running water from wages paid by the bank, etc. 3. Proof of personal assets, such as real estate license and automobile driving license. 4. Relevant information on business and loan purposes: such as sales contracts, purchase vouchers, renovation contract, etc. 5 for mortgage loans, it is also necessary to provide collateral assessment report approved by the lending institution and issued by the assessment department. 6. If it is a house purchase loan or a car purchase loan, it is also necessary to provide relevant contracts or agreements signed with developers or car dealers. 7. If you need a loan guarantor, you also need to provide relevant credit certification materials of the guarantor.