1654381The Decision of the State Council on Cancelling and Adjusting a Batch of Administrative Examination and Approval Items (Guo Fa [20 14] No.50) promulgated on October 24th explicitly canceled the examination and approval of the issuance of credit cards, and the People's Bank of China stopped processing the issuance of credit cards from February 5th, 20th14th.

Personal loans are divided into mortgage loans and unsecured loans. The loan conditions and the bank's standard requirements for borrowers are as follows:

1, with Chinese ID card or household registration certificate, at least 18 years old.

Those who are not at large in prison have no bad hobbies.

3. Good credit, certain economic strength and ability to repay the principal and interest.

4. The borrower must be a natural person with full capacity for civil conduct and must ensure that the loan is used for legitimate business.

5. Have a stable occupation and income, high integrity, clear property rights, no malicious default on bank loans, and no triangular debts. Attach the certificate, valid ID card, passport and marriage certificate of myself and my spouse (unmarried certificate or single certificate is required).

Financial product statement or utility bill or household registration book in the last three months, personal tax payment certificate or bank statement or bank transaction or bank passbook in the last three months.

Extended data

Matters needing attention-loan

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.

9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.

Baidu encyclopedia-credit card

Baidu encyclopedia-loan