personal loan

Application conditions

1. A citizen of China who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is over 18 and under 65, and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Open a personal settlement account;

7. Other conditions stipulated by the bank.

amount of loan

The loan amount is determined by the bank according to the borrower's credit status and the guarantee provided. With personal housing mortgage, the maximum loan amount shall not exceed 70% of the mortgaged property value; Where individual commercial housing is mortgaged, the maximum loan amount shall not exceed 60% of the value of the mortgaged property.

Information to be submitted when applying for a loan

The loan applicant applies to the bank, fills in the application form in writing, and submits the following materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Proof of income or personal assets;

5. If mortgage loan is adopted, it is required to provide the house ownership certificate of the mortgaged house, the identity certificate of the owner of the mortgaged house (including the legal owner), the marital status certificate and the written certificate of consent to mortgage; And assess the value of collateral according to the regulations and provide assessment reports; If the mortgaged house is exempted from evaluation, relevant certification materials that meet the conditions for exemption from evaluation shall be provided, including the transaction contract or the latest evaluation report;

6. Use plan or loan purpose statement;

7. Other information required by the bank.