1, with full capacity for civil conduct, under the age of 50;
2. Holding the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce;
3, engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule;
4, good credit, law-abiding, no bad personal credit records and debt records, and can provide mortgage, pledge or guarantee recognized by the bank;
5. Having a fixed domicile and business premises in the agency;
6. Other conditions stipulated by the bank.
What is the process of handling bank loans?
1. Prepare materials. Individuals should first prepare the materials needed to borrow from the bank, including loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials;
2. After handling the application and preparing the relevant materials, the customer can go to the bank or the law firm entrusted by the bank to handle the loan application and submit the relevant materials to the bank. After paying various fees, customers need to sign a loan contract with the bank as a legal document binding both parties;
3. Payment review. If it is a housing loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application, and if it is qualified, the bank will conduct the final loan approval;
4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures;
5. After the bank lends money and the customer-related procedures are completed, the bank will approve the loan according to the borrower's evaluation or report it to the superior for approval.
Legal basis: Article 13 of the Interim Measures for the Administration of Personal Loans.
After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.