1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. Have permanent residence or valid residence status in China;

3. The bank's credit loan first requires the applicant to have a good credit record;

4. Be able to repay the loan, and provide stable proof of occupation and income source, bank statement, labor contract, etc.

5. Can provide complete documents to prove the purpose of the loan, such as purchase contract, purchase contract, admission certificate, investment plan, etc.;

6. Provide stable proof of address, house lease contract, water and electricity payment table, property management and other relevant documents;

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.

Information to be provided for personal credit loan:

After meeting these conditions, consumers can successfully apply for personal loans from banks. Due to the different loan interest rates of different banks, the handling fees are also different.

Therefore, different applicants have different qualifications and different approval results. I suggest you go to the lending institution to know the situation before applying for a loan, and then make full preparations.

When applying for a personal credit loan from a bank, the borrower shall fill in the application form in written form and submit the following materials:

1, my valid ID card;

2. Proof of address (household registration book, etc.). );

3. Personal professional qualification certificate;

4. Proof of income of the applicant and his family members;

5. Other information required by the bank.

According to the specific access conditions of the borrower, one of the following materials shall also be reviewed:

(1) written certificate of post and professional technical level issued by the personnel department of the high-quality corporate client unit;

(2) Proof of financial assets such as bank deposits, bonds and funds held by individuals; Property certificate issued in the name of individual (or spouse);