What conditions can I borrow from the bank?

1, with a fixed income and a stable residential address, depending on the salary details.

2. The age is between 18 and 65 years old.

3. Have full capacity for civil conduct.

4. The borrower's credit information is good and there is no bad record.

5. Have a good willingness to repay.

6. Loans cannot be used for improper behaviors such as stock trading and gambling.

Second, the process of bank loans.

1. Prepare relevant procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also required). Customers with mortgage loans need to provide property certificates of collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

2. Apply to the bank: After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.

3. Approval before bank lending: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer.

4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is the customer bank loan interest rate network of mortgage loan, the customer also needs to go to the relevant department to register the mortgage for future inquiry.

5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

Where can I get a loan?

Peer-to-peer loans, micro-loans, bank loan products and policy loans are all available.

1, peer-to-peer lending

With the development of Internet, peer-to-peer lending is now a very common way to borrow money. Various P2P platforms can be lent to you as long as they are approved, and the interest is quite high.

2. Microfinance loans

As can be seen from the name, this kind of loan does not need collateral, no guarantee, and depends entirely on credit. However, the audit is extremely strict, and only state-owned enterprises, central enterprises, civil servants, listed company personnel, lawyers, etc. can enjoy it.

3. Bank loan products

For example, lightning loan, quick loan these. Go to the Bank of official website and you can see the introduction. If necessary, only interest is calculated. Loan platforms and companies. There are many loan platforms and companies that can borrow up to 65,438+million, and the threshold is low and the next payment is fast.

4. Insurance policy loans

If you fail to repay the loan, you will directly deduct the principal and interest from your policy until the contract is terminated. Anyway, the insurance company won't lose money, just mortgage the policy to it, and it will lend you money to charge interest.

Extended data

1. Bank cash installment. Almost every bank has its own cash installment product, which overdraws from the bank card like withdrawing money and repays in installments, and the interest rate is slightly higher than the formal loan of the bank.

2. Internet finance. For example, Ali borrows money and Jingdong Finance makes small loans. However, the interest rate is very high. For example, the annualized interest rate of Ali's loan is almost 15%.

3. Credit card cashing. Special emphasis: credit card cashing is risky, and it is likely to be banned and blacklisted by banks. This is a helpless move that bank loans and cash installments are not feasible and money is urgently needed.

4. Other companies are everywhere, with high interest rates, almost all above 20%, and various hidden costs. If it is not life-saving money, it is still not recommended.

I want to apply for a loan. Where can I get a loan?

You can apply in our e-banking channel, and the way to apply for a loan is as follows: 1. At present, China Bank supports customers in some parts of China to apply for loans in e-banking. Please select from the drop-down menu of online loan application function of personal online banking and mobile banking or the map of official website online loan application function of our bank in China. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu. 2. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to our bank through this function, and the relevant staff of our bank will get in touch with you after successful submission.

The above contents are for your reference. Please refer to the actual business regulations.