Whether it is in Jinzhou or other regions, borrowers who apply for loans can apply for a third loan if they have the ability to repay. Debt information will be recorded for previous loans. If the debt is not high, the bank will approve it. loan. At the same time, good habits in previous loans will be beneficial to loan approval. The conditions for applying for a loan are as follows:

Natural persons aged 18-65 years old;

The actual age of the borrower plus the loan application period should not exceed 70 years old;

Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

Good credit, no bad records;

Other conditions stipulated by the bank.

Documents that need to be prepared for the loan:

ID cards of the borrower and his wife;

The borrower’s household registration book/non-residents need temporary residence permit and household registration book;

Marriage certificate/divorce certificate or court judgment/single certificate;

Income certificate;

Education certificate;

Bank statement;

Other properties;

A copy of the business license of the unit (with official seal);

Larger deposit certificates, etc.;

If the borrower is an enterprise Legal persons must also provide annual inspection business license, tax registration certificate, organization code certificate, corporate articles of association, financial statements;

Other information required by the bank.

The process of applying for a bank loan:

The borrower submits a loan application;

Prepare loan-related information;

Account manager loan investigation;

Bank approval;

Both parties sign a loan contract;

Implement mortgage, pledge, unsecured contract or other guarantee contract;

Bank Loan;

Post-loan management;

Repay the principal and interest when the loan is due.