3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Requirements for bank loans:

(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

These procedures are usually divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

2. Are there any Ping An Bank outlets in Shenyang? Where is it? What are the conditions and procedures for applying for Ping An Bank?

Log on to the SDB map to see if there is SDB there, and soon there will be Ping An Bank. Because of the merger of the two banks, the horse of Shenzhen Development Bank

3. What are the conditions for Ping An direct loan?

1. Having reached the age of 23 and having full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Generally meet the above conditions, you can apply for a loan from a commercial bank.

Precautions:

1. When applying for personal loans, borrowers should make correct judgments on their economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.

2. Choose a good loan bank.

3. Choose the most suitable repayment method. There are two repayment methods: one is equal repayment,

The other is equal principal repayment. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.

The information provided to the bank should be true.

Providing my address and the address provided by the borrower to the bank accurately will facilitate the contact between the bank and it.

Receive the repayment notice from the bank on time every month. When the People's Bank of China adjusts the loan interest rate, you can receive the interest rate adjustment notice from the bank at the beginning of the year. In addition, it is especially important to remind borrowers that when you move to a new house, you must inform the loan bank of your new contact address and contact information in time.

6. Repay on time every month to avoid penalty interest. For the borrower, it is necessary to pay attention to whether there is enough money in his repayment account before the repayment date agreed every month.

Prevent default due to your negligence, never lose money due to your negligence, and leave a bad credit record in the bank at the same time.

What are the procedures and conditions of Ping An Bank's loan?

The loan process of Ping An Bank is as follows:

1. The borrower submits the loan application to Ping An Bank, and submits the materials required for the loan to the bank for approval;

2. After hearing the loan application, the bank will review and investigate the borrower's materials and specific circumstances;

3. After approval, the borrower will be contacted to handle the loan-related procedures;

4. For mortgage loans, you need to go through mortgage procedures and sign a loan contract.

The loan terms of Ping An Bank are as follows:

1. The applicant must be 18 years old and have full capacity for civil conduct;

2. Personal credit information is good and there is no record of bad credit information;

3. Have a stable job and income, and have the ability to repay the loan on time;

4. Having a fixed residence in the city where the bank applying for the loan is located.

The above are the procedures and conditions for Ping An Bank's loan.

Consequences of loans overdue of Ping An Bank

1. Bad credit record: once the repayment is not made, personal credit will be affected, which will directly affect the borrower's application for loans in the future;

2. Penalty interest deduction: the penalty interest is calculated according to the number of days in loans overdue;

3. Various collection methods: after the deadline, the bank will generally call the borrower to pay back the money, or not, and the bank will let someone come to collect it;

If the bank can't receive the money, it is likely to be the borrower.

This article is mainly about what procedures and conditions are needed for Ping An Bank loan, and the content is for reference only.