If you want to borrow from a bank, you need to submit the loan application materials first, and then wait for the bank's approval. After approval, you can apply for a loan. It can be roughly divided into four stages: (1) stage of preparing loan application materials. (2) loan application stage. (3) loan qualification examination stage. (4) loan application passing stage.

The following is a detailed introduction:

(1) loan application materials preparation stage

Before applying for a loan from a bank, you must first know whether you meet the loan conditions stipulated by the bank. The conditions to be met are: 1, Chinese mainland residents aged between 18 and 55, who have lived locally for more than 3 years. 2. Have a stable source of income and the ability to repay loans. 3. Have a good credit record and no criminal record. 4. The loan application is clear, legal and compliant. 5. Have a good willingness to repay. After meeting the above application conditions, you can apply for a loan from the bank.

(2) loan application stage

Prepare personal identity documents and certification materials, work certificates, income certificates, asset appraisal reports (if mortgage loans are needed), personal information of guarantors, etc. Advance (when the loan is secured). When applying for a loan, first fill out a loan application form in the bank, and then submit the prepared application materials together with the loan application form to the staff at the bank counter. After the counter staff preliminarily checks and confirms that the application materials are complete, they will be submitted to the bank audit department.

(3) loan qualification examination stage

The bank will rate the loan applicant according to the application materials submitted by the loan applicant. If the comprehensive score is not lower than the score line stipulated by the bank, the loan application will be approved. Bank loan. If you apply for a housing loan, the bank will entrust a law firm to conduct a preliminary examination, and the bank will conduct a final examination and approval after passing the preliminary examination.

(4) loan application passing stage

After approval, you have to go to the bank to sign other relevant agreements and go through other relevant procedures. After completing the relevant procedures, the bank will issue loans.

Handling loans is still very strict.

What are the requirements for a loan from a bank?

1. The borrower has a fixed residence, permanent residence or valid residence certificate at the location of the loan bank.

2. The borrower is a citizen of China, under the age of 65, with full capacity for civil conduct.

3. The borrower's credit record and repayment willingness are good, and there is no bad credit record.

4. The borrower can provide legal, effective and reliable guarantee recognized by the bank.

5. The borrower has a clear loan purpose, and the loan purpose complies with relevant regulations.

6. The borrower opens a personal settlement account in the bank.

7. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule.

What are the conditions for a bank loan, and what are the requirements to complete the loan?

If we want to borrow money from the bank, we need to know what conditions are needed. After all, bank loans not only need to go through relatively complicated procedures, but also meet various conditions before applying for loans.

If friends don't know the conditions of bank loans, they will not only do a lot of useless work, but also the loan process will become very troublesome.

What are the conditions for bank loans-age and permanent residence?

The age requirement for applying for bank loans is between 18 and 60 years old, and some banks will have higher age requirements ranging from 25 to 50 years old. It is not enough to meet age. People who can borrow money from banks are often China citizens who have a fixed residence or a fixed business place in China, otherwise they will not be able to complete the loan in the bank.

What are the conditions for bank loans-just getting a job and having a stable income?

When applying for a loan, the bank will know the occupation and income of the borrower. Only those friends with stable income and proper jobs can apply for a loan in the bank. Moreover, the loan amount issued by the bank depends on the repayment ability and performance ability of friends, and only users who are good at both can get a higher loan amount in the bank.

What are the conditions for bank loans-no bad credit record?

Credit records will also affect the success rate of bank loans. Some friends borrow credit loans online, but credit loans are sometimes recorded in the credit information system, forming a bad record.

So if a friend doesn't know if he has a bad credit record, he just needs to know before going to the bank for a loan. Basically, those friends with bad credit records can't apply for loans in the bank.

What are the conditions for bank loans-in line with other bank regulations?

There are many rules about loans in the bank. If one of them doesn't meet the requirements of the bank, there will be trouble in the process of lending money. Therefore, before making a loan, friends should first understand the bank's relevant regulations on loans.

What are the conditions for a bank loan? I have made it clear above. If a friend wants to borrow money from a bank, he must first have a proper job and a stable income, so that the success rate of borrowing money from the bank will be greater. Secondly, banks not only have credit loans, but also mortgage loans, and the value of friends' mortgage items will also affect the loan amount.

How to get a loan from the bank?

Users can apply for a bank card loan from the issuing bank first, and users can go to the counter or handle business online. Then provide the information needed by the bank and do it according to the regulations.

When applying for a loan, you need to provide income proof, identity proof and other documents. The general income certificate can be the salary flow or the bank flow, but it can't just be provided to the bank.

First of all, you can apply through personal online banking: log in to personal online banking, find online loans on your personal page, and click "Loan" to find relevant projects to apply. If it doesn't mean that the bank doesn't have relevant services.

You can also apply through pocket bank: after logging in to the issuing bank's pocket bank, users can select relevant online loans to apply under all service options on the home page interface; Finally, bring your documents to the outlets.

What are the conditions for bank lending?

What kind of people do you need for bank loans and what conditions do you meet before you can get loans?

You can apply for a personal business loan. Personal business loan application materials: (1) ID card; (2) Business license issued by the administrative department for industry and commerce; (3) Organization code; (4) Applicants for personal business loans such as tax registration certificate: (1) individual industrial and commercial households and natural persons; (2) Investors of a sole proprietorship enterprise; (3) The principal partner of a partnership formed by the issuance of shares by natural persons; (4) Major natural person shareholders of a limited liability company composed of natural person shares. Application conditions for personal business loans: (1)1China citizens (including Hong Kong, Macao and Taiwan residents) over the age of 8 and under the age of 60, with permanent residence in the branch area, permanent residence or valid residence certificate and full capacity for civil conduct; (2) The borrower and its business entities have no record of non-performing loans in financial institutions such as Industrial Bank; (3) Meet the access conditions for personal business loans of Industrial Bank; (have a stable income and the ability to repay principal and interest; The applicant and its enterprises have good credit and no bad credit records. (4) Being able to provide effective rights recognized by banks as collateral, or taking real estate and other property as collateral. Repayment method of personal business loan: (different banks) (1) If the loan term is less than one year (inclusive), the repayment method of principal and interest at maturity or monthly (quarterly) interest shall be implemented; (2) If the loan term is more than one year, the monthly repayment of principal and interest and other methods recognized by Industrial Bank shall be adopted. Regarding which domestic bank has the best loan product and which loan product, everyone's situation is different. I suggest you take a look at the selected personal loan products of Easy Loan China 2009-20 10: loanchina/...rf6 136, and summarize the 142 16 loan products of 28 most authoritative Chinese and foreign banks in China market at present, and introduce each product in detail, including the application.

What are the requirements for a bank loan?

I) loan object

The loan target refers to which departments, enterprises, units and individuals the bank issues loans to. Its essence is to choose the loan investment and determine the loan scope and structure.

Determination of the loan object of commercial banks;

First, it should reflect the essential requirements of the credit fund movement, and the loan should be able to guarantee the repayment of principal and interest;

Second, it must meet the requirements of the loan principle of commercial banks, and the loan issuance should follow the principles of efficiency, safety and liquidity;

Third, to reflect the requirements of loan investment policy, loan investment should obey the national industrial policy.

Therefore, the loan object of a commercial bank must be a commercial enterprise, that is, it has economic income, the prepaid value can be compensated and increased, and there is a source of funds to repay the principal and interest of the loan. Any non-operating unit without economic income can only be the object of financial allocation, but not the object of bank loans.

In short, under the conditions of socialist market economy, all commercial enterprises and individual economies engaged in production and circulation and providing services for production and circulation can become loan targets. According to the provisions of the General Rules for Loans, the loan object should be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with China nationality and full capacity for civil conduct approved and registered by the industrial and commercial administration (or competent authority).

(2) loan conditions

Loan conditions refer to what conditions the object has to obtain a loan. It is a specific requirement for the loan object. All enterprises that meet the requirements of "conditions" within the "object" can obtain bank loans. The basis for determining the loan conditions is: the legality of the establishment of enterprise units, the independence of operation, the adequacy of its own capital, the profitability of operation and the safety of loans. Therefore, enterprises, institutions and individuals that need to apply for loans from banks must meet the following basic conditions.

The current loan conditions of China Commercial Bank are:

1. legality of operation

2. Independence of operation

3. Have certain self-owned funds.

4. Open a basic account in the bank.

5. Have the ability to repay the principal and interest on schedule.

Eight. The purpose and type of loan

(1) the purpose of the loan

The purpose of the loan refers to the direction and scope of the use of the loan in the enterprise's capital occupation. It specifies what kind of capital needs enterprises can use loans, and how many of these capital needs are solved by bank loans.

The loan in this period is mainly used to meet the capital requirements for the renovation of inventory and fixed assets. From the liquidity point of view, the loans of industrial enterprises are mainly used for the capital needs of raw material reserves, in-process products and finished goods inventories. The loans of commercial enterprises are mainly used for the capital needs of commodity inventory and industrial and commercial enterprises in the process of commodity sales. From the point of view of fixed funds, it is mainly used for the capital demand of enterprise's technological progress and equipment renewal, the capital demand of enterprise's new construction, transformation and expansion, and the capital demand of enterprise's scientific and technological development (including part of working capital). In the field of consumption, it is mainly used for the capital demand generated by the purchase of civil commercial housing and automobiles.

Nine. Loan type

At present, the classification standards and types of loans are as follows:

(a) according to the nature of the loan business.

1, self-operated loan. Refers to the loan independently issued by the lender with funds raised by legal means, with the risks borne by the lender and the principal and interest recovered by the lender.

2. Entrusted loans. Refers to the loans provided by departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal. The lender (trustee) only charges the handling fee and does not bear the loan risk.

3. Specific loans. Refers to the loans granted by a wholly state-owned commercial bank with the approval of the State Council and after taking corresponding remedial measures for the losses that may be caused by the loans.

(2) According to the loan term.

1. Short-term loan. Refers to the loan with a loan term of 1 year (inclusive).

2. Medium and long-term loans. Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years).

Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years). RMB medium and long-term loans include fixed assets loans and special loans.

(three) according to the economic nature of the loan subject.

1. Loans from state-owned and state-holding enterprises.

2. Collective enterprise loans.

3. Private enterprise loans.

4. Individual industrial and commercial loans.

(4) According to the credit degree of the loan.

1. Credit loan. Refers to the credit of the borrower. ......

What are the conditions for a bank loan?

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

I. Personal credit loans

1. Require the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use;

2. Personal credit status is good;

3. There are certain restrictions on the income of borrowers. Generally, the borrower's monthly income is not less than 4000 yuan.

Second, housing mortgage loan.

Many people choose real estate mortgage loan, because the loan interest rate is generally the benchmark interest rate, and the repayment pressure is relatively small. So what are the conditions for applying for this kind of loan?

1, which is a stable income for the lender;

2. Good credit status;

3. The house age should be less than 20 years and the house area should be more than 50 square meters;

4. The house is highly mobile;

5. Under normal circumstances, the amount of mortgage loan shall not exceed 70% of the appraised value of the house.

Finally, the bank can apply for a loan with a maximum of150,000 and a maximum of 20 years after submitting relevant information and approval by the bank.

Third, college students' entrepreneurial loans

Many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan?

1, a college student who graduated within two years;

2. College degree or above;

3. 18 years old or older.

Finally, just submit the student ID card, transcripts, statements and other materials to the bank, and get the loan after approval.

Fourth, self-employed loans.

1, with full capacity for civil conduct and a local hukou;

2. Having a fixed business place and stable income in the local area;

3. Can provide legal proof of mortgage (pledge);

4. Open a deposit account in a loan bank.

After the above conditions are met, the information required by the bank can be submitted for review.

Verb (abbreviation of verb) housing mortgage loan

Many people buy houses and apply for mortgage loans, so what are the loan conditions?

1, with valid ID card and proof of marital status;

2. Good credit record and willingness to repay;

3. Stable income;

4, the purchase of commercial housing sales contract or letter of intent;

5. Have the ability to pay the down payment of the purchased house;

6. Open a personal settlement account in a bank with effective guarantee.

After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.

What conditions do individuals need to meet when applying for a bank loan?

(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises; (2) have a stable income and the ability to repay principal and interest; (3) The borrower has certain self-owned funds for investment projects; (4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment; (5) Opening a personal settlement account in a bank. The loan applicant shall provide the application materials (1), the identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status; (2) Proof of repayment ability such as personal or family income and property status; (3) the relevant agreements, contracts or other materials for the use of the loan;

What are the conditions for obtaining a bank loan?

Individuals can apply for loans from banks.

Generally divided into credit loans, secured loans and mortgage loans.

But now they are basically mortgage loans, because the other two loans are too risky and the banks don't give much.

Mortgage is generally the mortgage of fixed assets, such as houses, shops, cars, factories and so on! It is necessary to evaluate the assets first to be fair, and then the bank will analyze the mortgaged assets and generally release loans with an estimated value of 40%-60%!

This evaluation has a lot of moisture, you can find a higher relationship evaluation, bank credit is also very important, good relationship!

What are the conditions for bank loans to get money now?

Let me answer that. Generally, interest-free loans range from several thousand yuan to 50 thousand yuan, which are initiated to support special groups such as laid-off, unemployed and unemployed, or to encourage young people to start businesses. Other non-standard companies initiate large loans, which is easy to deceive people.

Please see the following news:

"Personal interest-free loans" and "unsecured, unsecured and household registration restrictions"? Recently, individual "consulting companies" have put out very attractive advertisements, which have made many citizens who are in a hurry to use money shine at the moment. Yesterday, after receiving a report from a citizen, the reporter made an unannounced visit to these loan companies on the grounds that "300,000 loans are urgently needed to buy a house", and found that these companies are actually playing the role of "financial intermediaries", using credit cards to overdraw the bank's money to customers.

Then charge a handling fee. To put it bluntly, it is to overdraw the bank's money with a credit card for nothing, but it does not rule out the possibility of cheating the lender and then walking away.

■ reporter's unannounced visit

According to the advertisement, the reporter who approved the credit card revolving cash withdrawal called a "loan consulting" company on Hong Kong Road, saying that he planned to borrow 300,000 yuan to buy a house and wanted to know how to get such a large interest-free loan. A man told reporters after listening that the so-called "interest-free loan" was obtained by helping customers apply for credit cards from more than a dozen banks, and then using the interest-free days of 50 to 60 days in the use of credit cards to make money. The specific steps are as follows: first, they help customers handle more than a dozen credit cards, and then customers use these credit cards to overdraw the maximum overdraft limit of 300,000 yuan in cash from some of them. A few days before the end of the interest-free period, customers will once again withdraw cash from the second batch of credit cards in the form of consumption to repay several credit cards that are about to pass the interest-free period. Similarly, customers will overdraw cash from the first batch of credit cards before the second batch expires. Repeatedly, the result is that the customer always has a sum of 300,000 yuan. As for the more specific operation method, he said that if journalists really want to borrow money, he will tell them all after paying them the handling fee of 1800 yuan.

You can apply for a card without the original ID card. After listening, the reporter said that he was "very interested" and asked what procedures he needed to bring. The other party can ask reporters to prepare ID cards, real estate licenses and more than a dozen personal income certificates. When the reporter suggested that he had lost his ID card and the new second-generation ID card had not been issued, the other party said that as long as he had a copy of his ID card, it would be fine. When the reporter expressed doubts, the other party said that he had contacts in the bank, which reassured the reporter.

Subsequently, when the reporter consulted the staff of an investment consulting company on Fuzhou Road as a lender, the staff of the other party said that the method was basically the same as that of the above-mentioned companies, and they all used credit cards to overdraw the bank's money. To put it bluntly, it is an overdraft behavior of "robbing Peter to pay Paul".

■ Views of all parties

People in the industry should be careful about intermediary companies cheating money. Yesterday, the person in charge of a formal loan company in the island city said in an interview that the most likely serious risk of using credit cards to overdraw this phenomenon is vicious cashing. He said that the information on the magnetic stripe of the credit card would come down in a few seconds. If these loan companies are entrusted to handle credit cards, the other party is likely to use the cardholder's personal data to handle credit cards, and then maliciously overdraw a large amount of cash and abscond with the money. There is another risk, that is, these loan companies cheat the trust of lenders, charge a lot of fees, have no credit cards at all, take the money and walk away, go to another place to start a new stove and continue to deceive people. Because these companies use fake documents, law enforcement agencies are often beyond their reach.

There are loopholes in bankers' outsourcing of credit card business. A staff member of the credit card department of ICBC expressed doubt whether these consulting companies can manage a large number of credit cards of formal banks. She told reporters that from the bank's point of view, they did not entrust any company to handle credit card business, so these companies are definitely not loan intermediaries entrusted by banks. She said that the maximum overdraft limit of ICBC ordinary RMB credit cards is only 5,000 yuan, and the overdraft limit of gold cards is only 1 1,000 yuan. It is impossible for all cards to have an overdraft limit of 10,000 yuan. Most importantly, gold card applicants need to submit a large number of credit certificates, and they can get credit cards after strict examination by the credit card center. Therefore, it is impossible to overdraw tens of thousands of cash with credit cards as the company said.

However, the staff believes that at present, in order to pursue the scale and quantity of card issuance, some banks are not strict in approving credit cards, and they need ID cards and driver's licenses to issue cards. ......

What conditions do you have to get a bank loan?

Lender's conditions: 1. Age: 18 to 60 years old, healthy: 1. The production and operation projects conform to the national industrial policies and laws; The business license has been approved by the industrial and commercial department and inspected annually: 4. Have a fixed business place within the scope of your loan and have been in business for more than 3 months. Materials (original and copy) 1 must be submitted. Provide valid ID card, household registration book and marriage certificate of oneself and spouse. Unmarried person provides main property * * * ID card: 2. Business license (original and copy): tax payment certificate: 3. Property right or lease contract of business premises: 4. Submit the guarantor's ID card and proof of work unit income: 5. If the guarantor is a self-employed, he shall provide income information materials such as ID card, business license and tax payment certificate. Submit materials as required: 1. Proof of family assets such as my real estate license. 2. Provide 2-3 months' sales report, payroll, rent receipt, utility bill receipt, inventory discount account, communication fee, tax payment receipt, transportation fee, maintenance fee and other household income and expenditure. 3. Provide the supply and marketing list of main commodity names. Loan amount: (Guarantee conditions) Employees below 30,000: A guarantor is needed, which can be civil servants, institutions, employees, teachers, doctors and other people with relatively stable incomes, or individual industrial and commercial households with stable operations. More than 30,000 yuan (inclusive): two guarantors are needed, of which 1 must be to crack down on civil servants, institutions, regular employees of large and medium-sized enterprises, teachers, doctors and other people with relatively stable incomes, and the conditions of the other guarantor can be appropriately relaxed, such as individual industrial and commercial households or employees of enterprises with stable operations. What I said may not be clear. You'd better go to the local bank to find out the situation. Loans are very convenient now, and postal loans may be the most convenient. Come on! Support your friends.

What conditions can I borrow from the bank?

In this case, you usually have to borrow money from rural credit cooperatives. As long as you have a relatively fixed income, it should not be a problem to find a guarantor and then get in touch with the account manager of the credit union.

What conditions do I need to meet if I want to get a bank loan?

According to what you have done, there are generally the following types:

What are the conditions for a bank loan?

Personal credit loan

Personal credit loan is a fashionable loan method at present, so what conditions do you need to apply for this kind of loan? Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.

housing mortgage loan

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements for the lender's income and credit, the service life of the house should be within 20 years and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. After submitting the relevant information in this way, the bank can apply for a loan of up to 5 million and up to 20 years after approval.

College students' entrepreneurial loans. College students pay more attention to this kind of loans than we thought. At present, many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan? Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; Over 8 years old. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

Self-operated loan

Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. What are the conditions for applying for this loan? Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

housing mortgage loan

At present, many people apply for housing mortgage loans, so what are the loan conditions? Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.

If you need funds, you can consult Mao Sen Guarantee Company, which has a good reputation, a senior team and a scientific management model. Your problem will be solved satisfactorily.

I hope I can help you ~ ~ ~

How to get a loan from a bank? What are the requirements?

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

Requirements of the Borrower:

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

According to the Interim Measures for the Administration of Personal Loans:

Article 23

The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

Article 24