1, a natural person aged 18 to 65 years old;

2. The actual age of the borrower plus the loan application period should not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank.

If you meet the above conditions, you can apply for a loan business at a local bank.

II. Materials to be prepared for handling bank loans:

1, valid ID;

2. Permanent residence or valid residence certificate and fixed residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

8. Other information required by the bank.

According to the preliminary judgment, it is difficult to reach the required amount only through credit loans, which of course depends on your assets. If you have real estate, it is recommended to use part of the mortgage loan. Of course, your investment products can also be used as part of the pledge, so as to finally meet your loan quota requirements.