Common loan types and loan conditions

1. Application conditions of unsecured individuals

China citizens over 65438.

2 have a stable job or operate an industry with great market potential and good returns, and ensure the ability to repay the principal and interest in the later period.

3. Good credit, no excessive overdue or malicious arrears.

This man has no criminal record.

5. Other conditions stipulated by the bank.

Second, personal consumption loan application conditions

1. Natural persons have civil capacity, and the loan term is generally not more than 55 years old;

2, the city's permanent residence and effective residence loan amount;

3. It has legal and stable economic income and good credit and loan service capabilities;

4. Have a clear intention of consumption or have signed relevant consumption contracts;

5. It can provide security recognized by the lender.

Three, personal business loan application conditions

1, aged over 25 and under 55, with fixed business premises, permanent residence or valid residence certificate;

2. The borrower and its business entities have good credit, and there are no illegal acts and bad credit records;

3. It has a stable income source and the ability to repay the principal and interest on schedule, and the business entity operates stably;

4. Other loan conditions stipulated by relevant banks.

What are the conditions for granting loans?

The basic conditions for personal loans are as follows:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate.

2, have a stable legal income and proof, have the ability to repay interest.

3. When the loan business needs to pay the down payment, it has the ability to pay the full down payment.

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met.

If you apply for a credit loan, you need to have a good reputation.

6. Other conditions meeting the requirements of the bank.

7. Have your own house or car, housing provident fund or social insurance.

8. If it is a physical plant and an individual business license.

9. The personal credit report is perfect and in good condition.

Nowadays, lending has become a habit. More and more people use loans to set up their own companies or invest in some enterprises, while others use loans to buy cars or houses. But generally speaking, as long as they have a normal job or a stable source of income, we can borrow money, but we must ensure that our personal credit information is good, otherwise there will be some unnecessary.

Personal credit information is the imprint of a person's economic strength, so when we borrow money from a bank, we usually need to print out this report and submit it to the bank for review. The bank will review it, and then make a sure review. After the examination and approval, we can make loans according to our own economic ability. The amount of the loan will vary according to the individual's economic strength. The amount is different. Some people can borrow 50 thousand yuan, while others can borrow 200 thousand yuan.

In addition, if the audit fails, it means that you have a bad consumption record, or you have other overdue phenomena, your report will be unqualified, so you will not be able to complete the bank's loan behavior, so you should pay attention to rational consumption at ordinary times and don't lend easily. Even after the online loan, it should be repaid in time, and it should not be overdue, otherwise it will be included in the credit report.

What are the terms of the loan?

Basic loan conditions:

1. has legal and valid identification.

2. Age plus loan period shall not exceed 70 years old.

3. Have the ability to repay the loan principal and interest on time.

4. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.

5. Good credit, no overdue loans and credit cards in the name of the customer and his spouse at present, and the credit record meets the product access requirements.

If you have a local branch in our bank and meet the loan conditions, you can try to apply to our bank. The application requirements and conditions of various loan types are different. First of all, what is the purpose of your loan? Our loans are issued for specific loan purposes (such as buying a house, buying a car, running a business, studying abroad, etc.). ), and when applying for a loan, relevant supporting materials must be provided according to the "loan purpose". As the types of loans provided by branches are different, it is suggested that you first log on to the homepage of China Merchants Bank, click "Online Customer Service" in the upper right corner and select Manual Input. After providing the opening city and loan purpose of the one-card account, you can check whether the local branch has the loan type, application conditions and materials you need to provide.

What are the terms of the bank loan?

Bank loan terms:

The lender has a stable occupation and income, and the lender has the ability to repay the loan principal and interest on time. The actual age of the lender plus the loan application period should not exceed 70 years old.

Loan conditions refer to the conditions that borrowers or individuals should have to borrow from banks. The current loan conditions of Chinese banks are:

(1) For an enterprise established with the approval of the competent department and holding a business license issued by the administrative department for industry and commerce at or above the county level, the product for which the state implements the production license for industrial products shall obtain a production license, that is, the loan object shall be legal;

(2) independent economic accounting, with the ability to use funds, production and operation management, that is, the loan object has obtained legal person status and assumed clear economic responsibilities;

(3) Have a certain amount of self-owned liquidity and establish a liquidity supplementary system, that is, the loan object should have the ability to operate normally and take risks;

(4) Open an account in a bank and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of the bank.

What are the terms of the loan?

Hello, general loan needs 1. The borrower is between 22 and 65 years old and has full capacity for civil conduct. 2. Good credit information, repayment ability and repayment source. 3. The purpose of the loan is clear and legal, and the loan shall not be used to engage in speculative business activities of stocks, securities and futures, or to engage in speculative activities of real estate, or to borrow money for illegal income. 4. Collateral (Collateral cannot be mortgaged across provinces, and the borrower has complete right to dispose of it. Collateral is not mortgaged and there is no legal provision).