Conditions:

1. The applicant must be a natural person with full civil capacity and have two local permanent residents or long-term residence certificates.

2. The applicant should have a fixed residence and a stable and lawful income.

3. Have the ability to repay the loan principal and interest on schedule, and require the borrower's family annual income to be more than 20,000 yuan. It must have a credit rating assessed by the bank and a good reputation, and there is no bad credit record in the personal credit information system of the People's Bank of China. Applicants need to meet the requirements that they have never had a personal loan default record in the bank. Other loan conditions required by the bank.

1. Bank loan refers to an economic behavior that banks lend funds to people who need funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

2. Moreover, in different countries and different development periods of a country, the types of loans classified by various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

Now more and more post-80s and post-90s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.

4. Reasons for borrowing: When the borrower applies for a loan, the reasons for the loan should be frank and clear, and the purpose of the loan and the advantages of personal repayment should be written in detail. Such as a good personal credit record.

5. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

6. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.

7. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, resulting in a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.