Can I get a loan from the bank?

Can individuals go to the bank for loans?

Today, we will answer your questions.

Bian Xiao of this station replied:

Hello, individuals can go to the bank for loans, and all commercial banks have personal loan business to meet the personal consumption, production and operation needs of borrowers. But if an individual wants to borrow from a bank, he must meet the loan conditions proposed by the bank. The loan conditions of different banks may be different. In addition, different personal loans may require different conditions. However, it is generally required to be at least 25 years old, have full capacity for civil conduct, have a fixed residence or valid residence certificate in China, have a stable income, have a good credit record and have no bad credit record. Meet these basic conditions, and then meet some other conditions proposed by the bank, individuals can apply for loans from the bank. If the credit loan basically meets these conditions, it is ok. If the mortgage loan is used, it is necessary to provide a guarantee or mortgage recognized by the bank. : 1. What is a bank loan? Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate and with an agreed repayment period according to national policies. Generally, it is required to provide guarantee, house mortgage or proof of income, and make good personal credit information before applying. Moreover, in different countries and different development periods of a country, the types of loans classified according to different standards are also different. For example, industrial and commercial loans in the United States mainly include general loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mainly take the form of discounted bills and credit accounts. And overdraft accounts. Two: classification of bank loans According to different classification standards, there are different types of bank loans. For example, 1 can be divided into short-term loans, medium-term loans and long-term loans according to different repayment periods; 2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts; 3. According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities brokerage loans. ; 4. According to the different loan guarantee conditions, it can be divided into discount loans, bill mortgage loans, commodity mortgage loans and credit loans. 5. According to the loan amount, it can be divided into wholesale loans and retail loans; 6. According to different interest rate agreements, it can be divided into fixed interest rate loans and floating interest rate loans.

Conditions for an individual to borrow from a bank: 1, at least 25 years old, with full capacity for civil conduct. And have permanent residence or valid residence certificate in China. 2. Have a fixed occupation or 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. It can provide legal and effective guarantee recognized by the bank. 5. The conditions stipulated by other banks vary from bank to bank, depending on the situation. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply. Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts. 1, the basic definition of bank loan Bank loan refers to an economic behavior in which an individual or enterprise lends funds to an individual or enterprise in need of funds at a certain interest rate according to the national policy of the bank, and agrees to return them within a specified time limit. Due to different loan types, the conditions and materials for applying for loans are also different. The following will introduce the conditions required for several common loans. 2. Loan Type 1: Personal credit loan Personal credit loan is a relatively fashionable loan method, so what conditions do you need to apply for this kind of loan? Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank. 3. Loan Type 2: The reason why more and more people choose real estate mortgage loans is that the loan interest rate is generally the benchmark interest rate and the repayment pressure is small. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements for the lender's income and credit, the service life of the house should be within 20 years and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years. Answering bank loans depends on your credit report, which asks about high debts and frequent online loan applications. Is it possible to get a loan? Which bank loan will be easier to answer? There are many times of checking credit information, many loans owed, frequent applications and high debts. Bank loan questions [left cover face] [left cover face] [left cover face] [left cover face] [left cover face] without exception. Then the credit card can't be processed. The answer is yes. Ok, thank you. Individual operators can apply for loans from banks. Self-employed individuals applying for loans in banks need to prepare the information needed for bank loans before they can apply. It mainly includes: personal identity card, household registration book, continuous bank card flow within six months, business license, tax payment certificate and other materials. After preparing the information, you can apply for a loan at the local bank. As we know, it is generally not good for self-employed people to apply for loans in banks. Therefore, in order to increase the chances of success in applying for a loan, individuals can provide proof of local real estate or apply for a loan at a local bank directly with their own real estate. In this way, it is better for banks to apply for loans with real estate as a guarantee. When applying for a loan in a bank, the self-employed should not only prepare the information needed for the loan, but also understand the requirements of the local bank loan. Different banks have different loan requirements. If banks have difficulty in applying for loans, they can also apply for loans from local loan companies. 1. Individual loan channel1; Secured loan. If an individual's personal qualification can't meet the bank's expectations and he is worried that the loan will be rejected by the bank, the borrower will find a formal guarantee company to guarantee himself, so the chances of the loan passing will be even greater. However, the cost of secured loans will be very high. The borrower should not only bear the loan principal and interest of the bank, but also pay a certain fee to the guarantee company. This kind of loan is recommended only when necessary. 2; Mortgage loan. As long as the borrower meets the mortgage conditions, he can take the car, house and valuables, and the borrower can use the collateral as a mortgage loan. When an individual family applies for a mortgage loan, it must not only have legal mortgaged items, but also have a certain repayment ability. 3; Credit loan. Many lending institutions have credit loan products. As long as the borrower has a good credit record, he can get a loan from a lending institution or bank with good personal credit. Credit loans not only require borrowers to have good credit, but also require borrowers to provide corresponding bank accounts, residence certificates and business licenses. 4; Business license loan. In contrast, business license loans are more favorable than secured loans, and borrowers do not need to provide guarantees from lending institutions, as long as they provide personal identification and other relevant certificates. Therefore, self-employed individuals can choose what kind of loan method according to their own situation.