How to apply for a personal credit loan?

Personal credit loan application process?

1. Prepare information. The required information includes a loan application, the customer’s ID card, household register, income certificate, marriage status certificate and other materials (customers with a spouse also need to provide their spouse’s ID card and household register). If you are a mortgage loan customer, you need Issue a certificate of title to the mortgaged property; if you are a customer of an unsecured loan, you need to provide a good credit record.

2. Apply. After preparing the relevant information, the customer can go to the bank or a law firm entrusted by the bank to apply for a loan. After submitting the relevant information to the bank for verification and paying various fees, the customer needs to sign a loan contract with the bank, which will serve as the legal binding force for both parties. sex documents.

3. Loan review. If it is a home purchase loan, a law firm entrusted by the bank will first conduct a preliminary review of the customer's application. If it is qualified, the bank will conduct the final loan approval; if the review is unqualified, the bank will return the customer's relevant information and fees collected.

4. Complete other legal procedures. In addition to the contract, customers also need to go through some legal formalities. If you are a mortgage loan customer, you need to register and file the mortgage of the collateral with the bank for future inquiries.

5. Bank lending. After the customer's relevant procedures are completed, the bank will approve the loan or submit it to superiors for approval based on the borrower's assessment. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other relevant details, and issue a loan instruction to transfer the loan item to the customer's account.

The annual interest rate of personal credit loans is 3.65%-4%, the limit is 300,000, interest first, then principal, term 1-5 years

1. Individual or business owner

2. Work in the locality where the loan was taken

3. The borrower is over 18 years old but not more than 55 years old;

4. Good credit report;

5. If you have a provident fund, an insurance policy, or a mortgage, any one of them will be enough

Civil servants, public institutions, and state-owned enterprise welfare

Mobile loan application: As long as there is a limit, all mentioned are 300,000

The one-year principal repayment rate is as low as 3.65%

The two-year principal repayment rate is as low as 3.85%

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