Taxpayers can apply through the QR code on the local tax service website, or through the bank's mobile banking, direct banking, online banking and other channels, and can borrow money anytime and anywhere.
1. What are the conditions for a bank loan?
1. The applicant must be a natural person with full civil capacity.
2. Having urban permanent residence or valid residence status requires the borrower to have legal status.
3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.
4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records.
5. Some also require providing assets recognized by the bank as collateral or pledge, or taking units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the loan principal and interest and bear joint and several liabilities.
Two. Requirements of the Borrower:
1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed);
2. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
3. The borrower's actual age and loan application period shall not exceed 70 years old.
Three. Information to be provided by the borrower:
1, husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;
2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate;
3 proof of income (in the format stipulated 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.
7. If mortgage loan is needed, proof of the rights of the mortgaged property must be provided, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the appraised value of the mortgaged property.
Extended data:
Loan skills
1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what the lender wants, and it is absolutely not expected that his loan funds will not see the movement of lending within half a month.
If the loan amount applied by the lender is large, it is suggested to reduce the loan amount appropriately, so that the hope of passing the bank audit is great.
People's Network-Jiangsu Bank can provide 500,000 pure credit loans to individuals.
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