Different loans have different conditions and local banks have different policies. You should explain your loan type first, but in general, you need to meet the following conditions for your reference:

Letter of credit clause

1, a natural person of China nationality who has reached the age of 18, has full capacity for civil conduct and has a fixed residence and valid identity documents in China.

2. Have a proper occupation and stable economic income, and be able to guarantee the repayment of loan principal and interest on schedule.

3. Open a savings account in a loan bank and deposit not less than the down payment of the total consumption and the estimated mortgage registration fee, notary fee, insurance fee and other expenses.

4. It can provide effective guarantee measures recognized by banks for personal consumption loans.

5. The purpose of the loan is within the prescribed scope.