The basic conditions for personal loans are as follows:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate.

2, have a stable legal income and proof, have the ability to repay interest.

3. When the loan business needs a down payment, it has the ability to pay the full down payment.

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met.

If you apply for a credit loan, you need to have a good reputation.

6. Other conditions meeting the requirements of the bank.

7. Have your own house or car, housing provident fund or social insurance.

8. In the case of a physical plant and an individual business license.

9. The personal credit report is perfect and in good condition.

Nowadays, lending has become a habit. More and more people use loans to set up their own companies or invest in some enterprises, while others use loans to buy cars or houses. But generally, as long as they have a normal job or a stable source of income, we can borrow money, but we must ensure that their personal credit information is good, otherwise there will be some unnecessary.

Personal credit information is the mark of a person's economic strength, so when we borrow money from a bank, we usually need to print out this report and give it to the bank for review. The bank will review it and then conduct a confident review. After the approval, you can make loans according to your own economic ability. The amount of the loan will vary according to the individual's economic strength. The amount is different. Some people can borrow 50,000 yuan, while others can borrow 200,000 yuan.

In addition, if the audit fails, it means that you have a bad consumption record, or you have other overdue phenomena, your report will be unqualified, then you will not be able to complete the bank's loan behavior, so you should pay attention to rational consumption at ordinary times and don't lend money easily. Even after the online loan, you should repay it in time, and don't overdue it, otherwise it will be included in your credit report.

I need money badly. How can I get a loan?

Bank loans have the following ways:

1, consumer loan. The so-called consumer loan is actually a personal credit loan. Borrowers don't need to provide any mortgage or guarantee, and they don't need to increase the number of borrowers. They just apply for loans by virtue of personal credit.

2. Mortgage loan. Mortgage, in fact, means that the borrower needs to provide an item as collateral, as a loan guarantee, in exchange for a certain loan amount. If it is not returned in time, the mortgaged items can only be seen at the judicial auction.

3. Guaranteed loan. Everything useful is mortgaged, and it must be mortgaged by the employer. A secured loan is actually a third party willing to guarantee the borrower. If the borrower fails to repay the loan, the guarantor will bear the repayment responsibility.

4. Many people are familiar with the word mortgage, but many people are unfamiliar with the word pledge. It means that the borrower gives his movable property and property rights to the bank for mortgage.

5. Special loans. The so-called special loans refer to some special loans issued by banks in cooperation with the state. It is still difficult for ordinary people to get special loans, because it is not up to banks to decide and needs corresponding policy support and rules and regulations. If they want to apply, they must go to the corresponding department.

6. Policy loans. In fact, the insurance we usually buy can also be used for loans. As long as you have cash value, you can apply for a loan from the bank. The maximum loanable cash value is 80%, and the longest loan period is 180 days.

How can I get a loan?

Loans can be issued in the following ways:

1, age: need 18 years old;

2. Ability: It is necessary to have full capacity for civil conduct;

3. Stable residence: there is a stable residence for loan demand;

4. Income: it is necessary to have a stable income and provide bank flow information;

5. Credit: Credit should be good. If the credit is bad and there is an overdue record, it will be difficult to get a loan.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.

Personal loan application shall meet the following conditions:

(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.

Article 12

The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.

How can I get a loan?

If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply.

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.

4. There are two ways to apply for a loan within the lightning loan limit:

(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.

(2)t 1 day loan. Within T 1 day, there will be a phone call from the nuclear power plant to verify and arrange the loan after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.