Maybe many people think that the loan has nothing to do with themselves. In fact, everyone has a lot of financial behavior, but they don't realize it. Personal loans are also closely related to people's lives. There are many kinds of personal loans, and the loans needed in different situations are different. How to apply for a personal loan, what are the application conditions and procedures? Today I will explain it in detail for everyone! I. Types of Personal Loans Personal loans are classified by product use, including personal housing loans, personal consumption loans and personal business loans; According to the guarantee method, it includes personal credit loan, personal pledge loan, personal mortgage loan and personal guarantee loan. II. Basic conditions for personal loans 1. A natural person who has reached the age of 18 and has full capacity for civil conduct; 2. Have a local permanent residence or long-term residence certificate and a fixed residence; 3. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule; 4. Have a good personal credit record. Iii. Basic process of personal loan 1. Make clear the purpose of the loan and choose the loan type that suits you; 2. Choose a bank and learn about the loan policies, requirements and expected annualized interest rates of each bank; 3. After selecting a bank, prepare various loan materials according to the requirements of the account manager; 4. During the handling period, keep in touch with the account manager at any time to understand the handling situation and cooperate to solve the problem; 5. Sign the loan contract and complete the loan procedures; 6. After the loan is issued and used successfully, it will be repaid in time as agreed. Four. Matters needing attention in personal loan application 1. Apply for a loan amount according to your own ability, and keep a reasonable proportion between the monthly repayment amount and the family income; 2. According to your repayment ability and future income expectations, choose the repayment method that suits you and make a repayment plan; 3. Provide true and accurate information to the bank, and notify the bank in time when my address, contact information and other information change. Read the terms of the contract carefully to understand my rights and obligations; 5. Repay on time to avoid bad credit records and economic losses; 6. Keep the loan contract and IOUs. For secured loans, the guarantee registration shall be cancelled in time after the loan is paid off, and the pledge or right certificate shall be retrieved. As the saying goes, take precautions and learn about personal loans as soon as possible. When you really need a loan, you won't be at a loss and go around collecting information temporarily. The above introduction about personal loans, I hope to help you.