1, personal credit loan;

Require the borrower to have a second-generation ID card, proof of stable work, proof of income and proof of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan.

After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank.

2. Housing mortgage loan;

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. In addition to strong requirements on the income and credit of the lender, the housing period should be less than 20 years and the housing area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house.

In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

3. Self-operated loans;

Must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

4. Housing mortgage loan;

Have a valid identity card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.

Extended data:

According to the regulations of the central bank, each person has the opportunity to inquire about personal credit information for free twice a year, and the 25 yuan service fee is charged for inquiring for three times or more. Personal bad credit records are kept for five years, and will be automatically eliminated after five years.

The number of credit inquiries is indeed one of the criteria for banks to evaluate mortgage applications. The number of credit inquiries of the lender in the past six months should not exceed 12.

Most banks have similar "controls" on the number of credit inquiries. Some banks stipulate that the number of inquiries can't exceed five times a month, while others are more strict.

However, most banks said that the number of inquiries is only a reference standard, and banks will make comprehensive judgments according to the specific circumstances of individuals. Generally, they will not refuse to lend because this indicator is "out of standard".

Baidu encyclopedia-bank loan

People's Daily Online-Bank Reminder: The number of credit inquiries affects the loan application.