A bank loan of 50,000 yuan requires collateral, income certificate and guarantor. A bank loan of 50,000 yuan requires collateral, income certificate and guarantor.
1. Bank loans can only use collateral, and the sum of loan amount and interest during the loan period cannot exceed 1/2 of the assessed value of collateral. Have a long-term stable income source, enough to pay the monthly loan principal and interest. There is also a guarantor.
2. Age limit of the borrower: male age+loan period shall not exceed 60 years, and female age+loan period shall not exceed 55 years;
Customers blacklisted in the credit information system cannot apply for loans.
3. Have People's Republic of China (PRC) nationality and full capacity for civil conduct. Hold the legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located. Personal credit application is reasonable and clear.
4. Loan process:
(1) Apply for a loan from the bank.
(2) After acceptance by the bank, the value of the collateral is evaluated, and the loan amount is approved according to the evaluated value.
(3) Open a personal current deposit account and sign a loan contract.
(4) Registration of collateral.
(5) bank lending.
5. Loan fees: lawyer's witness fee, mortgage registration fee, mortgage insurance fee, mortgage evaluation fee, etc. It takes about 65,438+0 months from normal loan application to loan issuance.
1. Bank loans can only use collateral, and the sum of loan amount and interest during the loan period cannot exceed 1/2 of the assessed value of collateral. Have a long-term stable income source, enough to pay the monthly loan principal and interest. There is also a guarantor.
2. Age limit of the borrower: male age+loan period shall not exceed 60 years, and female age+loan period shall not exceed 55 years;
Customers blacklisted in the credit information system cannot apply for loans.
3. Have People's Republic of China (PRC) nationality and full capacity for civil conduct. Hold the legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located. Personal credit application is reasonable and clear.
4. Loan process:
(1) Apply for a loan from the bank.
(2) After acceptance by the bank, the value of the collateral is evaluated, and the loan amount is approved according to the evaluated value.
(3) Open a personal current deposit account and sign a loan contract.
(4) Registration of collateral.
(5) bank lending.
5. Loan fees: lawyer's witness fee, mortgage registration fee, mortgage insurance fee, mortgage evaluation fee, etc. It takes about 65,438+0 months from normal loan application to loan issuance.