The following documents are required: 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. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

What are the requirements for personal loans?

Hello, general loan needs 1. The borrower is between 22 and 65 years old and has full capacity for civil conduct. 2. Good credit information, repayment ability and repayment source. 3. The purpose of the loan is clear and legal, and the loan shall not be used for stock, securities and futures speculation, real estate speculation, or used for borrowing to seek illegal income. 4. Collateral (collateral cannot be mortgaged across provinces, and the borrower has the right to completely dispose of it, and the collateral is not mortgaged, so there is no legal provision).

What does an individual need to borrow from a bank?

Materials needed for bank loan: mortgage loan: ID card, household registration book, marriage certificate, income certificate, bank account, real estate license, land certificate (married with information of both husband and wife); Credit loan: ID card, income certificate, salary flow (because the bank only pays by punching), residence certificate, water and electricity invoice, and financial proof will help to increase the quota. For example, one person, such as the property right certificate, can apply without both husband and wife.

legal ground

Article 389 of the Civil Code of People's Republic of China (PRC) * * * covers the principal creditor's right and its interest, liquidated damages, damages, expenses for keeping the secured property and realizing the secured property. Unless otherwise agreed by the parties, such agreement shall prevail.

Article 410 of the Civil Code of People's Republic of China (PRC) If the debtor fails to perform the due debts or realize the mortgage right according to the agreement of the parties, the mortgagee may agree with the mortgagor to discount the mortgaged property or give priority to the repayment with the price of auction or sale of the mortgaged property. If the agreement harms the interests of other creditors, other creditors may request the person to cancel the agreement. If the mortgagee and the mortgagor cannot reach an agreement on the way to realize the mortgage, the mortgagee may request the mortgagee to auction or sell the mortgaged property. Where the mortgaged property is discounted or sold, it shall refer to the market price.

What are the requirements for a personal loan? These must be met.

1, a citizen of China with full capacity for civil conduct.

Full capacity for civil conduct means that citizens can carry out any civil activities through their own independent actions. Citizens who have reached the age of 18 and are mentally healthy are persons with full capacity for civil conduct. Considering the current situation of the nine-year compulsory education system in China,/kloc-citizens over 6 years old but under 18 years old.

2. Have the ability to repay the loan principal and interest on schedule.

Have the ability to repay the loan principal and interest on schedule, that is, the lender has a stable occupation and income and can repay the loan principal and interest on schedule. For example, if the fixed balance of monthly income is more than 654.38+10,000 yuan, and then the monthly repayment is less than 5,000 yuan, you can consider yourself capable.

3. Have a good credit record and willingness to repay.

Have a good credit record and willingness to repay, and no bad credit record. Maintaining a good credit record can improve the convenience and possibility for individuals to obtain financial support and financing services. Establish your own credit and strive to maintain a good credit record.

4. The monthly income is more than 2,000 yuan.

The lender has a stable occupation or other sideline business, but has a stable income, with an average monthly income of more than 2,000 yuan. Generally, as long as you have a stable job and income, you can apply for a monthly income of more than 2,000 yuan. The loan amount is generally 5-8 times the monthly income, that is, if the monthly income is 2,000 yuan, the loan can reach 1000 yuan or more.

5. Must have no bad record in the bank.

There is "no bad record" in the recruitment conditions of the bank, that is, it is blacklisted by the banking industry, and there is a problem with professional ethics, which is by no means a failure in the examination subjects. In other words, as long as you have not been expelled from other banks before, there is no bad record.

What are the conditions for an individual to borrow money from a bank?

Now banks are generally mortgage loans, and the necessary ones are ID cards and household registration books. Married people also need to provide their spouse's ID card, household registration book and marriage certificate. The most important ones are state-owned land use certificate and real estate license, income certificate, asset certificate and repayment source certificate. It would be better if there were a guarantor. As for interest, every bank is different. Please consult your local bank for details.

Personal loan object and conditions:

1. Loan target:

1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland;

2. Pay the down payment (not less than 30% of the total purchase price);

3. Have a stable economic income and the ability to repay the loan principal and interest;

4. Agree to use the purchased property as loan collateral.

2. Meet the following conditions at the same time:

1. Purchase commercial housing designated by the bank in this city with legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport;

2. Open a deposit account in a bank with a deposit balance of not less than 30% of the house to be purchased;

3. Having valid purchase contracts, agreements and other supporting documents;

4. Agree to mortgage the property under the purchase contract;

5. Willing to perform all the terms of the loan contract;

6. Other conditions stipulated by the bank.

3. Information to be published and provided:

1. Original and photocopy of resident ID card;

2. The original and photocopy of the house subscription book;

3. The original and photocopy of the down payment;

4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.

What are the requirements for a personal loan? The answer is here.

For many of us, loans are not a matter of Changshu, because there will inevitably be a shortage of funds in our lives. At this time, loan has become our best choice, but many friends don't particularly know what conditions are needed for personal loans. Today we will simply answer this question!

What are the requirements for a personal loan?

When we apply for a personal loan, we need many conditions. Details are as follows:

1. At least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate.

2. Have a stable legal income certificate and the ability to repay interest.

3. Personal qualifications should meet the standards: after the loan application, the borrower's real estate, income, occupation, credit and education will be comprehensively evaluated, among which financial resources, occupation and income are also important criteria. Generally speaking, employees and civil servants of state-owned enterprises are more likely to be approved.

4. The loan materials should be complete and true: to apply for personal consumption loans, the borrower should provide his valid identity certificate, marriage certificate, income certificate and other valid financial certificates. These materials should be prepared before the loan, and they should be true and reliable.

5. Determine the loan amount and term: if the borrower applies for a loan with personal credit, the maximum amount can reach 500,000; If the house is used as collateral, it can reach up to 70% of the house valuation, but these are only a restriction on the maximum loan by the lending institution, and the specific loan amount depends on the qualifications of the borrower.

The above is the answer to what conditions a personal loan needs, hoping to help you solve problems in your life.