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

2. Law-abiding, no illegal acts and bad records;

3. 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;

4. Other conditions stipulated by the bank.

After meeting the requirements, prepare the materials, submit the application and wait for approval.

Information:

1. Provide personal identification such as ID card.

2. Provide stable proof of address, house lease contract, water and electricity bill, property management and other relevant certificates.

3. Provide stable proof of income source, bank flow sheet and labor contract.

4. Personal credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

5. The attachment can be a copy of the real estate license or a copy of the driving license, and the approval amount can be increased.