I. Conditions for applying for bank loans
1, at least 25 years old, with full capacity for civil conduct, and with permanent residence or valid residence certificate in China.
2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.
3. Good credit record and no bad credit record.
4. It can provide legal and effective guarantee recognized by the bank.
Second, the credit conditions of bank loans
1, credit line
The credit line is the maximum amount that borrowers are allowed to borrow in the agreement signed between borrowers and banks.
2. Revolving credit agreement
Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.
3. Compensatory balance
Compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).
Third, apply for bank loan materials
1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. 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 certificates, including academic credentials, other real estate, bank running water, certificates of deposit, 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.
Extended data:
First, the repayment method
1. Repay in equal amount every month according to the provisions in the signed repayment contract.
The customer shall voluntarily deposit the monthly loan principal and interest into his savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment.
2. Advance payment
If the customer wants to apply to the bank one month in advance, the loan interest can be exempted in advance, but the interest rate is still in the same period of the original loan term. If the loan term is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the repayment method shall be equal, and the loan principal and interest shall be repaid in monthly installments.
Second, the loan related matters needing attention
1. Personal loans should have a clear purpose and should comply with the provisions of laws, regulations and relevant national policies. The transaction background is true, and the transaction background and loan purpose should not be fabricated.
2, the use of personal loans should follow the principle of good faith, in line with the purpose of the loan contract, according to the current provisions of the state, loan funds may not illegally enter the stock market, real estate development and other areas prohibited by the state.
3, loans to buy housing, should apply for personal housing loans according to the provisions of the state, according to the current provisions of the state, prohibit consumer loans for the purchase of housing.
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