1. The loan applicant should be between 18 and 65 years old, have full capacity for civil conduct and be a legal resident;
2. Have a stable and legitimate economic income and can guarantee a certain repayment ability.
3. Have a stable detailed residential address and no bad social credit.
4. Legal use of loan funds
5. Other conditions stipulated in the bank loan preparation materials:
1. Personal identification
2. Work certificate and detailed address
3. Bank statement for the past six months
4. Personal detailed credit report
5. Other information required by the bank. Loan processing flow:
1. The lender submits the application and relevant materials to the bank.
2. The bank accepts the application and examines whether the lender's information meets the loan requirements.
3. After approval, both parties sign a loan agreement.
4. The bank issues loans to lenders through transfer.
User's age is over 2 1 year. If all the loan conditions are met, you can apply for a loan. Only if the age meets the requirements and the rest of the loan conditions are not met, then the user cannot apply for a loan. Users must meet the loan conditions before submitting the loan application. Do not meet the conditions, financial institutions do not accept the user's loan application.
Of course, even if the user does not meet the loan conditions at present, it is ok to apply for a loan after meeting the loan conditions because the personal credit qualification conditions will change.
Customers are advised to choose formal channels to apply for loans, such as ABC's "Netjet Loan".
Netjet loan refers to a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions, with self-application, quick receipt and self-credit. Online lending has realized the processes of self-service application, automatic approval, online signing of credit contract and self-service credit use.
Legal basis: Article 667 of the Civil Code of People's Republic of China (PRC) defines a loan contract as a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 668 A loan contract shall be in written form, except as otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.