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.
Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
The borrower shall provide the following information:
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.
Extended data
Matters needing attention when applying for bank loans are:
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. If the loan amount applied by the lender is large, the loan amount should be reduced appropriately.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability, family income, etc. in detail. Ensure that the applicant can repay the loan on time no matter when, where and under what circumstances.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
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