1. First ask what kind of loan you need to apply for, mortgage loan or credit loan;

2. If you apply for a credit loan: Do you work? How much is the punch card salary? Have you paid social security and provident fund? What is the base of social security payment? What occupation? How about credit reporting? Do you own a house or a car? Do you pay commercial insurance? Loan purpose, loan term, repayment source, age, etc.

3. If you apply for a real estate mortgage loan: is it all commercial housing? Location, area, orientation, floor, decoration, room age, etc. Do you work? How much do you earn? Loan purpose, loan term, repayment source, age, etc.

I hope my answer is helpful to you!

What information do I need to know to borrow money?

The basic information that a loan needs to know is as follows:

1. Loan handling bank information; 2. Loan conditions and procedures; 3. Interest rate; 4. Time limit; 5. Repayment method and time; 6. Provisions on prepayment.

Many people are in urgent need of capital turnover and will want to solve it through loans. However, not everyone can get loans smoothly, and some people choose loan products that do not meet their qualifications. To this end, personal loans do not want to step on the pit, we must find out what kind of loans are suitable for our qualifications.

Personal loans: Although many banks and financial institutions offer different loan products at present, as long as they are personal loans, they can be classified according to the guarantee conditions and loan purposes.

1. Guarantee conditions: it can be divided into credit loans and secured loans.

1. Credit loan is a kind of loan based on the lender's personal credit without mortgage guarantee, like many online loans in the market, such as, borrowing money, recruiting a good term loan, and bank credit loans, such as e-lease loan and e-finance loan.

2. Secured loans can be divided into secured loans, mortgage loans, pledged loans and portfolio secured loans, and certain assets are needed as collateral or guarantor.

Second, the use of loans: there are three common types of personal housing loans, personal business loans and personal consumption loans, as well as some agricultural loans and national student loans.

1. Personal housing loans: These loans are all offered by banks, including commercial loans, provident fund loans and portfolio loans. If subdivided, it can also be divided into primary housing loans and secondary housing loans.

2. Personal business loans: generally used for individual businesses, such as business owners, corporate legal persons and self-employed individuals.

3. Personal consumption loans: There are many types, such as car purchase loans and decoration loans. Because these loans are earmarked, proof of loan use is required.

What are the requirements for handling bank credit loans?

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Many people know that there are credit loans when they apply for loans. Credit loan means that the lender does not need to provide collateral or guarantor, but uses the lender's reputation to issue loans. So, what are the conditions for bank credit loans? The following small series will introduce the conditions of credit loans of the four major banks for your reference.

I. Conditions for handling bank credit loans

1, ICBC credit loan processing conditions, the borrower must have full capacity for civil conduct, and the age must be between 18 and 60 years old. And have legal and valid identity documents, as well as the household registration certificate of the place where the loan bank is located, or a valid temporary residence permit. And have a stable source of income, as well as the ability to repay the loan principal and interest on time, personal reputation is good, and there is no bad credit record in personal credit information. Finally, I opened a personal settlement account in our bank.

2. The conditions for handling the credit loan of Agricultural Bank of China require that the borrower should have full capacity for civil conduct and provide legal and valid identity documents or valid temporary residence permits. Must have a stable work unit and income source in the local area, with a monthly income of more than 2,000 yuan, the ability and willingness to repay the loan principal and interest on time, and no bad credit record.

3. The conditions for handling CCB credit loans require that the borrower should have full capacity for civil conduct, be between the ages of 22 and 55, and provide a valid ID card or a valid temporary residence permit. Have a stable source of income and the ability to repay the principal and interest of the loan on time, and the annual income of the lender should be more than 20 thousand yuan. Personal reputation is good and there is no bad credit record. There is no record of loan default or default in CCB.

4. The conditions for handling the credit loan of China Bank require the borrower to hold a valid ID card or a valid temporary residence permit. There are legal professional certificates and income certificates, certificates of the highest academic qualifications and degrees, or professional qualification certificates. There are real estate licenses and vehicle driving licenses. , which can prove personal credit status.

Editor's summary: What are the requirements for handling bank credit loans? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

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