cannot
Conditions for applying for loan business:
Natural persons aged between 18 and 65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit, no bad record, loan purpose
Other conditions stipulated by the bank.
2./kloc-can I get a loan at the age of 0/6?
If you apply for a personal loan at China Merchants Bank, China Merchants Bank currently stipulates that the lender must be 18 years old and the loan age must not exceed 70 years old. If a minor needs to apply for a loan, Zhi can try to make his parents (or one of them) the same loan applicant; Whether it can be handled specifically, I suggest you contact the personal loan department of the local China Merchants Bank outlet for detailed inquiry.
(Response time: March 3, 2020. Please refer to the latest business changes announced by China Merchants Bank in official website. ) genus
3./kloc-can I pay by installment for 0/6 years old?
Requirements for not taking the bank loan: natural person aged 65,438+08-60, with stable job and stable income (Hong Kong, Macao and Taiwan, Chinese mainland, foreigners are also allowed). Ability to repay the principal and interest of the loan on schedule: the borrower's actual age plus the loan application period is not more than 70 years old. The materials that the borrower should provide include husband and wife's ID cards, household registration book/temporary residence permit for foreigners and household registration book, marriage certificate/divorce certificate or judgment/single certificate, income certificate (in the format specified by the bank), copy of business license of the company (with official seal), and credit certificate: including education certificate, other real estate, bank running water and large deposit. If installment payment was developed after World War II. At first, it was limited to buying ordinary daily goods or services.
Later, with the rapid development of productivity, the scale of industrial and agricultural production is expanding day by day, and the required expenses are increasing day by day. In addition, with the development of bank credit, the field of installment payment has expanded to enterprises that buy large machinery and equipment and raw materials. With the improvement of China's financial services and the change of people's consumption habits, installment payment, which is popular abroad, has been introduced to China and quickly recognized by domestic consumers. It is usually young people who have poor current payment ability but have consumer demand who spend by stages.
The products it consumes are usually laptops, mobile phones and digital products. Installment payments are usually provided by banks and installment suppliers.
Banks provide consumers with personal consumption loans equivalent to the amount of goods they buy, and consumers use the loans to pay their suppliers, who provide guarantees for consumers and bear irrevocable joint and several liabilities. Young people who spend by installment are often called "installment families".
4./kloc-can I get a loan at the age of 0/6?
You need to be 18 years old to get money. You 16 years old, are not eligible for loan, so you can't get a loan.