Suning's financial loan needs to meet the following conditions: the age is between 22 and 55 years old; Personal credit information is good and there is no bad credit record; Have a stable income and a certain ability to repay the principal and interest; Have a second-generation ID card, bank card, real-name registration system mobile phone card and other valid documents; Can complete face recognition; The debt ratio is moderate and there is no long-term loan.

For users, if they meet the above application conditions, they can try to apply for Suning Financial Loan, but whether they can pass the audit depends on the page display.

Second, what are the conditions for Suning's loan upgrade?

The application conditions are: (1) borrower's age: 25-55 years old (especially for high-quality customers, 60 years old); (2) If the local provident fund is continuously deposited for more than 1 year and the amount of bilateral remittance reaches 500 yuan, the special high-quality customer base can be relaxed to 6 months (subject to the system approval result); (three) stable income, good credit information, no record of bad behavior; (4) Other conditions required by Suning Bank. Loan loan is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. Principles "Three Principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan. First, the risk review of loan risk often begins at the loan review stage. What happened in the comprehensive judicial practice can be seen that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. (3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

3. What are the loan terms of Suning Finance?

Handling conditions: 1, China citizens with permanent residence in China, permanent residence in local towns and full capacity for civil conduct, 18-65 years old; 2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule; 3. Abide by the law, and have no illegal acts and bad credit records.

4. What are the loan inquiry conditions of Suning Bank?

The conditions required for Suning's financial loan are as follows: bad credit record of 22-55 years old; Have a certain ability to repay the principal and interest; Have a second-generation ID card, bank card, real-name registration system mobile phone card and other valid documents; You can complete the first loan.

For users, if they meet the above application conditions, they can try to apply for Suning Financial Loan, but whether they can pass the audit depends on the page display.