Borrowers applying for personal small short-term credit loans must meet the following conditions:
China citizens with permanent residence in China, permanent residence in local towns (or valid residence certificates) and full capacity for civil conduct;
Have a legal occupation and stable economic income (monthly salary income should be above 1000 yuan), and have the ability to repay the loan principal and interest on schedule.
The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and must be represented by the lender.
Personal small short-term credit loans refer to RMB credit loans with a term of less than 1 year and an amount of less than 20,000 yuan, which are used to solve the temporary consumption needs of borrowers without guarantee. Lenders refer to the branches of Industrial and Commercial Bank of China that provide personal small short-term credit loans. The borrower refers to a China citizen who has a fixed residence in China, a fixed residence in a local town (or a valid residence certificate) and has full capacity for civil conduct. ?