1. Basic conditions for applying for NetJet loan:
1. At least 18 years old and not more than 60 years old, with China nationality and full capacity for civil conduct.
2. Hold legal and valid identity documents.
3. Our e-banking customers and holders of security authentication tools issued by our bank. (At present, only second-generation K-Bao customers are supported, and Zhangyin.com Dai Jie can support K-single repayment ...)
4. The credit status is good, and the following bad credit records do not exist in the credit report:
(1) There are no overdue loans and overdue credit card overdrafts when applying for loans;
(2) There is no record of overdue for more than 30 consecutive days in the last 24 months, and the cumulative overdue times are no more than 4 times;
(3) There is no asset disposal, guarantor compensation or bad debts, and there is no record of unpaid taxes, enforcement or administrative punishment that has not been revoked;
(4) There is no state other than "normal" in the five-level classification of loans guaranteed by borrowers.
5. There is no unexpired "NetJet Loan" quota, and there is no outstanding "NetJet Loan" balance.
6 stable income, with the ability to repay credit on schedule.
7. The purpose of the loan is reasonable and clear.
Two. Special conditions for applying for online loan: In addition to the basic conditions, for different types of customers, the applicant should also meet the following conditions:
1. Mortgage customers: ① The repayment time of the related personal housing loan has exceeded 24 months (inclusive); ② The related real estate is not in the area where the house price falls, the supply exceeds demand or the non-performing rate of personal housing loans of banks is high; (3) If the relevant property is a villa or other large apartment, the borrower shall not be a private owner.
2. Provident fund customers: ① The borrower's credit report contains information on the deposit of provident fund for more than 2 years (inclusive), and the latest update date is within 6 months; ② In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
3. Social security customers: ① The borrower has social insurance deposit information for more than 2 years (inclusive) in the credit report, and the latest update date is within 6 months; ② In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
4. Payroll paying customers: ① The borrower pays more than 1 year in our bank (inclusive); (2) Customers who pay wages on their behalf must meet the access conditions of "paid loans" units; ③ In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
5. Debit card customers: ① Debit card transaction records for more than 2 years (inclusive); (2) The annual transaction flow, transaction frequency and other conditions meet the requirements; ③ In the borrower's credit report, there is no personal operating loan balance in our bank or other banks.
(Answer time: 2021April 15. In case of business change, please refer to the actual situation. )