For lending institutions, banks are the first priority, followed by consumer finance, and then small loan companies. Especially, it is not recommended to apply for private lending. For loan suggestions, it is best to find out the scope of application of loan products first, and don't apply blindly, otherwise it will often cost more than the gain, and it will easily consume personal credit information, and it will be impossible to continuously obtain funds in the later period.
Conditions for bank loans:
1. A natural person aged 20-55 with full capacity for civil conduct; Have a local permanent residence or long-term residence certificate and a fixed residence.
2. Have a stable and legal income source, have the ability to repay the principal and interest of the loan on schedule, and the annual household income of the borrower is more than 20,000 yuan; The credit rating assessed or recognized by the bank is BBB or above.
3. It has a good reputation in the personal credit information system of the People's Bank of China and has no bad credit record.
4. Personal housing loan/provident fund loan quality customers must meet the relevant conditions at the same time.
5. Paying high-quality provident fund to customers must meet relevant conditions at the same time.
6. Never had a record of personal loan default or other default in the bank.
7. Stock of high-quality salaried employees.
8. Other loan conditions required by the bank.
Information to be prepared for bank loans:
1. The borrower's valid ID card and household registration book.
2. Proof of marital status. Unmarried people need to provide proof of unmarried, and divorced people need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce).
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate.
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year).
5. Real estate license.
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).
Note: 1. You must have collateral to get a loan.