Personal credit loan conditions

1. The borrower is at least 18 years old and is a natural person with full capacity for civil conduct;

2. The borrower has a permanent residence or valid residence status in China; Provide valid personal identification;

3. The borrower has a good credit record;

4 have the ability to repay the loan and provide proof of stable income, bank procedures and labor contracts;

5. Use of the loan certificate: documents such as purchase contract, purchase contract, admission certificate and investment plan;

6. Proof of stable address: house lease contract, utilities, property management fee, etc.

7. Provide valid certificates recognized by the lending institution, and provide true and valid relevant information required by the bank;

8. Other conditions stipulated by bank lending institutions.

Second, the housing mortgage loan conditions

1, identification (both husband and wife);

2. Marriage certificate;

3. Household registration book;

4. Proof of income and bank flow in the last six months; (or other proof of assets)

5. Real estate license; (or copy)

6. Proof of loan use;

7. The identity certificate of the payee and the payee account number;

8. Water and electricity charges for the latest building.

Three, the conditions of college students' entrepreneurial loans

1, fresh graduate, graduated within two years;

2. College degree or above;

3. 18 years old or older.

Four, self-employed loan conditions

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Other conditions stipulated by the bank.

Verb (abbreviation of verb) housing mortgage loan conditions

1, ID card, household registration book.

2. Proof of income or stable bank flow.

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Have a house purchase contract or agreement and an invoice.

6. Other conditions stipulated by the bank.

Sixth, the terms of the car loan.

1, with valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

What are the requirements for personal bank 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, the borrower has complete right of disposal, collateral is not mortgaged, and there is no legal dispute).

What conditions do individuals need to apply for bank loans?

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

Requirements of the Borrower:

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. 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.

Extended data:

According to the Interim Measures for the Administration of Personal Loans:

Article 23

The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

Article 24

The loan contract shall comply with the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the parties' commitment to good faith, the purpose of the loan funds, the payment object (scope), the payment amount, payment conditions and payment methods.

The loan contract should be set with relevant clauses to clarify the liabilities for breach of contract that the borrower should bear when it fails to perform or slowly performs the contract.

Article 25

Lenders should establish and improve the contract management system to effectively prevent the legal risks of personal loans.

If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.

Article 26

The Lender shall standardize the guarantee process and operation according to the Property Law of People's Republic of China (PRC), the Guarantee Law of People's Republic of China (PRC) and other relevant laws and regulations.

The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral.

Personal loans secured by guarantee shall be completed by at least two loan officers.

Article 27

Lenders should strengthen the management of loan issuance, follow the principle of separation of examination and loan, set up an independent loan management department or post, and be responsible for implementing the loan conditions and issuing personal loans that meet the agreed conditions.

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

Meet the following five conditions.

1, both husband and wife should have a fixed income, proof of work, proof of financial resources, and proof of running water in the last six months.

2. The age is between 18-50, and the loan must be paid off before the age of 65.

3. If the loan is used for business or car purchase, there must be a guarantor and mortgage.

4, the bank's credit record can not have any problems, the monthly payment is not higher than 50% of the family wage income.

5. The purchased property or vehicles cannot be mortgaged.