1, at least 25 years old, with full capacity for civil conduct; And have a permanent residence or valid residence certificate in China;
2. Have a fixed occupation or a stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule;
3. Good credit record and no bad credit record;
4. Being able to provide legal and effective guarantee recognized by the bank;
5. Other conditions stipulated by the bank. Generally meet the above conditions, you can apply for a loan from a commercial bank.
The process of bank loan is:
1. The applicant submits an online loan application at the bank.
2. The platform reviews the materials submitted by the applicant, such as the authenticity of the materials submitted by the applicant, the flow direction of the applicant's bank card, and whether it meets the loan conditions.
3. The platform pays a return visit, and the platform staff will pay a telephone return visit to the applicant to further verify the applicant's situation.
4. Sign the contract after the platform is approved.
5. issue loans.
Legal basis: Article 25 of the General Principles of Loans.
loan application
If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks.
The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
1. Basic information of the borrower and guarantor;
Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;
Three, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;
Verb (abbreviation of verb) project proposal and feasibility report;
Other relevant information deemed necessary by the lender.