1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have permanent residence or valid residence status in China; Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
3. The bank's credit loan first requires the applicant to have a good credit record;
4. Have the ability to repay the loan, and provide stable proof of occupation and income source, bank flow sheet, labor contract, etc. ;
5. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. Documents proving the purpose of the loan;
6. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;
7. Provide valid certificates recognized by the lending institution, and provide true and valid relevant information required by the bank;
8. Other conditions stipulated by bank lending institutions.
Personal credit loan: When a borrower applies for a personal credit loan from a bank, he needs to fill in the application form in writing and submit relevant materials. The borrower shall meet the loan conditions, and the loan interest rate shall be subject to the benchmark loan interest rate of the same grade at the same period stipulated by the People's Bank of China. As long as you maintain and have good personal credit, you can get a certain amount of bank loans without guarantee.