1. The age of the loan applicant must be between 18 and 60;

2. Need to have a fixed residence in the local area and live for a long time;

3. You need to open a personal settlement account in the loan bank;

4. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

5. It is necessary to provide assets recognized by the bank as collateral or pledge;

6. Can provide real and legal borrowing purposes, such as trading contracts;

7. Meet and meet other conditions agreed by the bank.

According to different classification standards, there are several types of bank loans:

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the loan amount, it can be divided into wholesale loans and retail loans;

6. There are different ways to agree on the interest rate: it can be divided into fixed interest rate loans and floating interest rate loans, and so on.

Brief introduction of Guizhou Bank:

Guizhou Bank was established on 20 12, 10, 1 1, headquartered in Guiyang, Guizhou Province. It is a provincial-level local corporate financial institution established by the merger and reorganization of Zunyi City Commercial Bank, Anshun City Commercial Bank and Liupanshui City Commercial Bank. At present, the branch covers all cities (prefectures) and counties in the province, with 223 outlets and more than 5,000 employees. It was listed on the main board of Hong Kong Stock Exchange on February 30th, 1965, with 438+09,65438 and stock code 665,438+099. Became the first financial institution in Guizhou province to land in the international capital market. The logo of Guizhou Bank takes the English initials "G" as the design element, and "G" stands for "Guizhou", which can be used as the exclusive logo of Guizhou Bank, and the elements of "round square hole money" are integrated into it.