In addition to meeting the personal consumption loan conditions, the borrower shall also meet the following requirements:
1. The current loan of the applicant is not overdue, and its credit rating is above Grade II (inclusive). No credit record is considered as qualified, but it needs to be handled with caution.
2. The customer has a record of paying wages in our bank for more than 6 consecutive months (inclusive), and the annual salary payment amount is not less than 50,000 yuan (inclusive).
(1) The amount of wages paid on behalf of the bank refers to the amount of wages paid by the bank as wages, bonuses, holiday fees, communication fees, transportation fees, overtime fees, books, newspapers and magazines, washing fees or subsidies.
(2) Annualized payroll amount = accumulated payroll amount paid by customers in our bank in the last 6 months ×2, and payroll amount does not include payroll amount paid by other banks or other income.
The maximum amount of credit or single loan shall not exceed 300,000 yuan, and shall not exceed the annual salary paid by the applicant himself.
The longest credit period shall not exceed 5 years, the longest single loan and single loan under credit shall not exceed 3 years, and the maturity date of the loan shall not exceed the maturity date of the credit line.
Need to provide identity information, payroll records and other information required by the branch. Because each branch may have different requirements for loan information, the requirements of the branch shall prevail.
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