Hello, the basic information needed to apply for a loan is: loan application form; Copy of ID card (including spouse); Copy of household registration book and marriage certificate; Personal income certificate or other certificates sufficient to prove his income level; If the real estate is mortgaged or pledged, the ownership certificate of the mortgaged (pledged) property, the original collateral evaluation certificate issued by the bank's accreditation department and the original pledged property shall be provided. I suggest you spend it directly with Baidu money. "Qianhua" is the original Baidu financial credit service brand (original name: Baidu Qianhua, renamed as "Qianhua" on June 201August), and its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. Relying on the advantages of Baidu technology and scene, "Qianhua" uses artificial intelligence and big data risk control technology to provide users with convenient, fast and safe Internet credit services. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. It has the characteristics of simple application, fast loan, flexible loan repayment, transparent interest and expenses, and strong security. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.

2. How soon can the loan from China Bank be uploaded to the personal credit information center?

According to the current rules, the data of Bank of China is submitted monthly, which is generally updated in the middle and late of the second month after the loan repayment date. I suggest you contact Bank of China Loan Bank for detailed consultation.

If in doubt, please consult.

The above contents are for your reference. Please refer to the actual business regulations.

3. What conditions does personal credit need to meet when buying a house with a loan from the Bank of China?

Based on credit records within 2 years.

Generally speaking, the overdue limit required by the lending bank is that the accumulated overdue in the past three months cannot exceed two times, three times in half a year, four times in a year and six times in two years.

In addition, the personal loan conditions of China Bank:

A borrower applying for a personal first-hand housing loan must meet the following conditions:

1. Have permanent residence or valid residence status in China;

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Pay the down payment that meets relevant regulatory requirements;

5. Provide effective guarantee recognized by the lender;

Borrowers applying for personal second-hand housing loans must meet the following conditions:

1. The purchased house meets the transaction conditions for entering the secondary real estate market, the property rights are clear, and the buyer and the seller sign a legal and effective house sales contract or agreement;

2. Pay the down payment of the house that meets the relevant regulatory requirements, and open a settlement account with the lender;

3. Agree to mortgage the purchased second-hand house to the bank as a guarantee to repay the principal and interest of the loan or provide other effective guarantees that comply with laws and regulations and are recognized by the lender.

Extended data:

At present, the use of personal credit reports is limited to commercial banks and financial institutions that handle credit according to law (mainly housing provident fund management centers, finance companies, auto finance companies, microfinance companies, etc.). ) and China People's Bank, where consumers can also obtain their own credit reports.

Personal credit reporting system provides different formats of personal credit reports according to different users, including bank version, personal inquiry version and internal version of credit reporting center, which serve commercial banks, financial institutions, consumers and the People's Bank of China respectively.

Whether it is a commercial bank, a consumer or the People's Bank of China, when inquiring about a personal credit report, the inquirer must obtain the written authorization of the inquired person and keep a copy of the inquired person's identity document.

The personal credit information system has realized that all branches of commercial banks in China can access and query the credit information of any individual nationwide. Commercial banks can only query personal credit reports from the personal credit information system when they handle the following businesses:

1. Review applications for personal loans, credit cards and quasi-credit cards;

2. Review the individual as guarantor;

3. Post-loan risk management of personal credit;

4. When accepting a loan application from a legal person or other organization or acting as a guarantor, it is necessary to check the credit status of its legal representative and investor.

Consumers can submit a written application to the Credit Information Center, Credit Information Sub-center and Credit Management Department of local branches of the People's Bank of China for inquiring about personal credit reports. Just fill in the "Personal Credit Report Inquiry Application Form", provide valid identity documents for inspection, and keep a copy of the identity documents for future reference.