1. Mortgage or normal loan? If there is mortgage, the relevant supporting documents required for the loan shall be presented. If it is a venture loan, you need to consider the financing problem. At present, many people choose financial service companies and through what channels to borrow money.
2. The threshold of finance company loans is slightly lower than that of bank loans. To get a loan from a bank, you must have a fixed job, and the salary on your behalf should reach10.5 million yuan or more. You can also get a loan through a mortgage. Emergency loans through financial companies are easier than normal loans.
However, it is possible to get a loan of 300,000 only if the most basic loan conditions are met. Banks, other financial companies and online lending platforms will think that you are a quality customer and have a very good credit, so it will not be so difficult to borrow 300,000 yuan.
4. The applicant should be over 18 years old, have full capacity for civil conduct, have a good credit record, and be able to provide legal, effective and reliable guarantee recognized by the bank. Have a clear loan purpose, and the loan purpose conforms to the relevant provisions, open a personal settlement account in China Industrial and Commercial Bank, and other conditions stipulated by the bank.
The above is about how to apply for an ICBC loan of 300,000 yuan. What are the requirements? If you want to apply for a large loan, you need to provide more information. 300,000 is not a large sum for a bank loan. So as long as the information is complete, it is easy to apply for a loan.