Loan application conditions:

1, if you want to have a fixed income, it depends on the salary details;

2. At least 18-65 years old;

3 loans for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Loan application materials:

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);

5. Income certificate issued by the lender's work unit;

6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.

If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.

To apply for a credit loan, customers need to meet the following conditions:

1. As a natural person with full capacity for civil conduct, the age is up to standard (banks, lending institutions and platforms have different regulations, for example, some require the age to be between 18 and 60).

2. Have a legal and stable job and income source, and have the ability to repay the loan principal and interest on time.

3. Personal credit is good, and there is no bad credit record or serious negative information.

As for the formalities, customers only need to bring personal ID card, household registration book or temporary residence permit, salary flow and other related materials to the business outlets of banks or lending institutions to apply for loans, collect them at the counter, fill out the application form, and then hand them over to the staff together with the brought materials for approval by banks or lending institutions.

After the audit results come out, after receiving the notice from the bank or lending institution, the customer comes to the outlet to sign the loan contract, go through the relevant formalities, and then the bank (lending institution) issues the loan.

Of course, many credit loan products can be handled directly through online channels. Customers log on to online banking, mobile banking and loan platforms, find the loan products to be processed, click the application button, and then fill in the relevant personal information and submit it according to the page prompts. After the system audit, the loan will be issued.