For many of us, loans are not a matter of Changshu, because there will inevitably be a shortage of funds in our lives. At this time, loan has become our best choice, but many friends don't particularly know what conditions are needed for personal loans. Today we will simply answer this question!

What are the requirements for a personal loan?

When we apply for a personal loan, we need many conditions. Details are as follows:

1. At least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate.

2. Have a stable legal income certificate and the ability to repay interest.

3. Personal qualifications should meet the standards: after the loan application, the borrower's real estate, income, occupation, credit and education will be comprehensively evaluated, among which financial resources, occupation and income are also important criteria. Generally speaking, employees and civil servants of state-owned enterprises are more likely to be approved.

4. The loan materials should be complete and true: to apply for personal consumption loans, the borrower should provide his valid identity certificate, marriage certificate, income certificate and other valid financial certificates. These materials should be prepared before the loan, and they should be true and reliable.

5. Determine the loan amount and term: if the borrower applies for a loan with personal credit, the maximum amount can reach 500,000; If the house is used as collateral, it can reach up to 70% of the house valuation, but these are only a restriction on the maximum loan by the lending institution, and the specific loan amount depends on the qualifications of the borrower.

The above is the answer to what conditions a personal loan needs, hoping to help you solve problems in your life.