1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, Chinese mainland and foreigners are also allowed);
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
Information to be provided by the borrower
1. Husband and wife's ID cards and household registration books/foreigners need temporary residence permits and household registration books;
Two copies of marriage certificate/divorce certificate or court judgment/single certificate;
3. Proof of income (format stipulated by the bank);
4. Copy of the business license of the unit (with official seal);
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Note: From May, 20 10, foreign hukou loans in Beijing must also provide tax payment certificate for nearly one year or social security certificate for one year and other materials that can prove that they have worked in Beijing for one year.
(1) For loans issued by enterprises, the subject (principal) shall be debited according to the contract principal of the loan, and the "absorbed deposits" and "funds deposited in the central bank" shall be credited according to the actual amount paid. If there is any difference, debit or credit this account (interest adjustment).
On the balance sheet date, the uncollected interest receivable calculated according to the contract principal and contract interest rate of the loan is debited to the account of "interest receivable", and the interest income calculated according to the loan amortized cost and the actual interest rate is credited to the account of "interest income", and the difference is debited or credited to the account (interest adjustment). If the contract interest rate is not much different from the actual interest rate, you can also use the contract interest rate to calculate and determine the interest income.
When the loan is recovered, the accounts of "deposits absorbed" and "funds deposited in the central bank" are debited according to the amount returned by the customer, the accounts of "interest receivable" are credited according to the recovered interest amount, and the accounts of "interest income" are credited according to the returned loan principal. If there is any interest adjustment balance, it should be carried forward at the same time.
(2) On the balance sheet date, if it is determined that the loan is impaired, the amount to be written down will be debited to the subject of "asset impairment loss" and credited to the subject of "loan loss provision". At the same time, the balance of this account (principal and interest adjustment) should be transferred to this account (impairment), debited to this account (impairment) and credited to this account (principal and interest adjustment).
On the balance sheet date, the interest income calculated and determined according to the loan amortized cost and the actual interest rate shall be debited to the loan loss reserve account and credited to the interest income account. At the same time, the interest receivable amount calculated and determined according to the contract principal and contract interest rate will be registered off the balance sheet.
When recovering impaired loans, the subjects of "deposits absorbed" and "funds deposited in the central bank" should be debited according to the actual amount received, the subjects of "loan loss reserve" should be debited according to the relevant loan loss balance, and the subjects of "asset impairment loss" should be credited according to the relevant loan balance.
Loans that are truly irrecoverable shall be written off as bad debts after approval by the management authority, debited to the subject of "loan loss provision" and credited to the subject (impaired). Write off the off-balance-sheet interest receivable after approval according to management authority, and reduce the amount of off-balance-sheet "interest receivable" account.
When the loan that has been confirmed and written off is recovered later, it shall be debited to this account (impairment) according to the balance of the original write-off impaired loan and credited to the account of "loan loss reserve". According to the actual amount
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
According to the law, a bank loan needs a natural person aged 65,438+08-60, with a stable job and income, and the ability to repay the principal and interest of the loan on schedule. The actual age plus the number of years of applying for a loan shall not exceed 70.
Related questions and answers: What are the requirements for applying for a marriage loan? What materials do you need for a marriage loan? Marriage loan, as its name implies, refers to the convenient and quick personal credit loan business provided by banks or financial institutions to borrowers who are going to get married, which can be used for all expenses related to marriage, including travel, decoration, beauty, diamond jewelry purchase, wedding photography and so on. What conditions do you need to apply for a marriage loan and what materials do you need to prepare? The following is a detailed introduction. Conditions for applying for a marriage loan Generally speaking, a marriage loan requires a person who is over 18 years old and has a stable job and income. As for the required monthly income, there are different regulations according to the specific conditions of first-and second-tier cities. 1, 18~56 years old has legal and effective capacity for civil conduct. 2. The monthly income is more than 3,000 yuan. 3. Have a stable job. 4. Work in the current unit must be over 3 months (including 3 months). 5. Other conditions required by the Cooperation Organization. Information required for marriage loan application Marriage loan requires two materials, on the one hand, the applicant's ID card, marriage certificate and other basic materials, on the other hand, materials related to assets and economic income. 1. Valid ID cards of myself and my spouse. 2. Marriage certificate (unmarried certificate is required if marriage certificate is not obtained). 3. Financial product statements or utility bills or household registration books in the last three months. 4. Personal tax payment certificate or bank statement in the last three months. 5. Other materials required by the Cooperation Organization.