The conditions for handling personal credit loans are as follows:

Personal credit loan

Personal credit loan refers to the RMB credit loan issued by the bank to solve the borrower's temporary consumption demand. The term is within 1 year and the amount is within 1 ten thousand yuan, and no guarantee is provided.

First, the applicant's conditions

China citizens with permanent residence in China, permanent residence in local towns (or valid certificates), full capacity for civil conduct and meeting the following conditions may apply for personal credit loans.

1.

Have a legitimate occupation and a stable source of income (the monthly salary income must be above 1000 yuan), and have the ability to repay the loan principal and interest on schedule;

2.

The borrower's unit must be an administrative, enterprise or institution recognized by the bank and having a good cooperative relationship with the bank, and the bank will pay wages on its behalf;

3.

Law-abiding, no illegal acts and bad records;

4.

Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5.

Other conditions stipulated by the bank.

Second, the loan amount

The starting point of personal credit loan is 2000 yuan, and the loan amount shall not exceed 10 times of the borrower's monthly salary, and the maximum shall not exceed100000 yuan.

Third, the loan term.

The term of personal credit loan is below 1 year (inclusive), and it is generally not extended. If the loan cannot be repaid on schedule due to force majeure, it can be extended once with the consent of the lender, and the cumulative loan period shall not exceed 1 year.

Fourth, the loan interest rate.

The loan interest rate is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China. In case of interest rate adjustment during the loan period, it shall be calculated according to the contract interest rate, and interest shall not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.

Lending is the fastest working day!

Bring my ID card, household registration book, social security card, unit certificate, collateral (not necessary, but it will be more convenient if you have it, including stocks and real estate licenses), and you can go to any bank to handle it.