Guangfa Credit Card has paid 20 late fees, and the overdue records will have an impact on future loans. If the credit information is not good, the bank will refuse to lend when handling the loan. Borrowers need to maintain good repayment habits. General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times.

Conditions for applying for loan business:

Natural person with age 18-65;

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

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Good credit information and no bad records;

Other conditions stipulated by the bank.

Materials to be prepared for the loan:

Identity cards of both husband and wife of the borrower;

The borrower's household registration book/foreigner needs temporary residence permit and household registration book;

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

Proof of income;

Academic certificate;

Bank flowing water;

Other attributes;

Copy of the business license of the unit (with official seal);

Large deposit certificates, etc. ;

If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements;

Other information required by the bank.

The process of handling bank loans:

The borrower applies for a loan;

Prepare loan related materials;

Account manager loan survey;

Bank approval;

Both parties sign a loan contract;

The execution of mortgage, pledge, unsecured contract or other guarantee contract;

Bank loans;

Post-loan management;

Repay the principal and interest when the loan is due.