Hello, the requirements for bank loans:

(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

2. What is the interest rate of similar loans of China People's Bank in the same period? What's the use?

"Interest rate of similar loans in the same period" refers to the loan interest rate provided by financial enterprises under the condition that the loan term and loan conditions are basically the same.

The benchmark deposit and loan interest rate is a derivative interest rate of the Central Bank (China People's Bank), and it is one of the monetary policies used by the Central Bank to regulate the operation of social economy and financial system.

Commercial banks will formulate a portfolio of deposit interest rates based on this benchmark interest rate. Improve the liquidity of the benchmark interest rate, increase the cost of credit and slow down the speed of economic development. or vice versa, Dallas to the auditorium

Extended data:

The interest rate set by the People's Bank of China approved by the State Council and authorized by the State Council is the legal interest rate. The publication and implementation of the statutory interest rate

The deposit and loan interest rates of the People's Bank of China to commercial banks and other financial institutions are the benchmark interest rates. The benchmark interest rate is determined by the head office of the People's Bank of China.

The Lender shall determine the loan ratio through negotiation according to the legal loan interest rate and floating range stipulated by the People's Bank of China.