Conditions for loan application of Guangfa Bank

1. Applicants must be between 25 and 55 years old.

2. The applicant must have a record of paying social security or provident fund or individual tax for more than three months.

3. The borrower has a fixed job and a stable economic income.

4. The applicant agrees to other regulations of Guangfa Bank.

Extended data:

Materials and certificates required for application

1. Domestic residents only need to provide and fill in a complete and signed application form, identity certificate, residence certificate and income certificate.

2. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan employment permit.

3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date shall also be provided.

4. If you want to apply for a large credit card, you need to provide a good proof of economic strength, such as a copy of the real estate license, a copy of the car driving license, a bank loan account (with good credit, overdue for no more than 60 days) or a copy of the deposit certificate.

What is the interest rate of Guangfa Credit Loan?

The interest rate of CGB credit loans fluctuates according to the benchmark interest rate of central bank loans, and the fluctuation range is determined by CGB. The benchmark interest rate for central bank loans is:

1. Within one year (including one year), the interest rate is 4.35%.

2. The loan term is one to five years (including five years) and the interest rate is 4.75%.

3. If the loan term exceeds five years, the interest rate is 4.90%.

Application conditions for credit loan of Guangfa Bank:

1. The borrower has reached the age of 18 and has full capacity for civil conduct.

2. The borrower has a stable job and income and can repay the loan on time.

3. The borrower's personal credit is good.

4. The lender agrees to other conditions required by Guangfa Bank.