As long as you are responsible for the proof, you only need to write it based on your actual personal situation, and then submit it to the relevant department for verification. Proof of liability refers to the document that proves the ownership of the debt and needs to be filled out according to the actual situation. Liabilities refer to current obligations formed by past transactions or events of an enterprise that are expected to result in an outflow of economic benefits from the enterprise.

You can bring your ID card and bank card to the bank to accept the application, explain to the bank the purpose of issuing a settlement certificate, and the bank will issue a certificate for you; bring your credit card and personal ID card to the bank counter to apply . If you use this method, you can go to any branch of the card-issuing bank to handle it.

The settlement certificate you apply for will have the branch of the card-issuing bank on the signature. Find the card-issuing bank and issue a certificate of no debt, but the certificate should indicate the number of debt periods, repayment time, etc. The purpose is It means it is not malicious. If you have applied for many credit cards, then bring your personal ID card directly to the local Credit Reference Center of the People's Bank of China or on its official website

What are the conditions for bank loans

1. Personal credit loan conditions

(1) The bank requires the borrower to have stable, stable income and proof of loan purpose;

(2) The personal credit status is good;

(3) There are also certain restrictions on the borrower’s income. Generally, the borrower’s average monthly income is required to be no less than 4,000 yuan.

After submitting relevant application materials and passing the bank review, you can apply for a loan of 5-8 times your monthly income.

2. House Mortgage Loan Conditions

The reason why more and more people choose house mortgage loans is that the loan interest rate is generally the benchmark interest rate and there is less pressure to repay the loan.

(1) The lender has strong ability in terms of income and credit;

(2) The age of the house must be less than 20 years, and the house area is greater than 50 square meters;

(3) The house has strong economic value;

(4) The mortgage loan amount shall generally not exceed 70% of the appraised value of the house.

After submitting relevant information and passing the bank review, you can apply for a loan of up to RMB 5 million and with a term of up to 20 years.

3. Entrepreneurship loan conditions for college students

(1) Current college students and college students who have graduated within two years;

(2) College degree or above;

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(3) Over 18 years of age.

Relatively speaking, the application conditions for entrepreneurial loans for college students are relatively loose. You only need to submit your student ID, transcripts, statements and other information to the bank. After approval, you can obtain the loan.

4. Self-employed loan conditions

(1) Have a local household registration;

(2) Have a local permanent residence and stable income;

(3) Be able to provide legal collateral (pledge);

(4) Open a bank account with the lending bank.

5. Housing mortgage loan conditions

(1) Have a valid ID card;

(2) Good credit record and willingness to repay;

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(3) Stable income;

(4) Commercial housing sales contract or letter of intent for the purchased house;

(5) Having the ability to pay the down payment for the purchased house ability to borrow money;

(6) Open in a bank and have a valid guarantee.

After meeting the conditions for a certain loan, you can submit the application materials to the bank, and the bank will review and decide whether to grant the loan.

In summary, bank loans are generally divided into five types: personal credit loans, house mortgage loans, college student entrepreneurial loans, self-employed loans, and house mortgage loans.