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What are the conditions for personal loans? What documents do I need to provide?

Questioner: REN*** City: Shenzhen Tags: Mortgage, Knowledge Question Time: 2014-05-20 12:58
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  •                             Enthusiastic net friend
    2014-05-20 15:32
            Do not know what kind of loan you want to apply for. The specific application conditions required for different loan product types are different.

    Mortgage loans:
    1. You need to provide collateral, usually real estate.
    2. The general bank requires that the property cannot be mortgaged (or not finished yet)Mortgage LoansNo, unless you can make a loan before you make a loan.
    3. Generally speaking, the age of the property cannot be too high (more than 20 years are rarely accepted)
    4. In general, 60% to 80% of loans can be loaned to houses to assess their value.

    Credit loans:
    1. General credit loans require the applicant to have a legitimate career and stable income (generally required to provide the bank's water to prove wage income).
    2. Need to have a good credit history, no bad debts, or multiple deferred repayments.
    3. If you have real estate, vehicles can help you increase the amount and possibility of loans.
    4.Loan amountGenerally about 10 times your monthly salary income.

    Basic information that needs to be provided includes a loan application form; a copy of an ID card (including a spouse); a copy of the account booklet; a copy of the marriage certificate, etc.

         When applying for personal housing and commercial loans, the borrower must provide the purchase contract for commercial housing or the contract for the sale and purchase of commercial housing, and the proof of first payment (invoice and bank payment statement);

    ApplicationStudent Loans, must provide a letter of enrollment issued by the education unit;

    ApplicationStudy Loan, must provide a letter of enrollment or other valid admission certificate issued by a study abroad school, and has completed the passport of the People's Republic of China for the entry visa of the country where the study abroad school is located;

    When applying for a renovation loan, a decoration contract and decoration budget must be provided, as well as a proof of first payment (invoice and bank statement of payment);

    When applying for a loan for consumer durables, a purchase and sales contract for durable consumer goods must be provided, as well as a proof of initial payment (invoice and bank statement of payment);

    When applying for business loans (except for business loans), you must provide business licenses, tax registration certificates, purchase and sales contracts, and financial statements.
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Other answersTotal 4 items

  • Manager Zhuo Credit Manager Service area: Shenzhen Service Agency: Rongsheng Automobile
    2014-05-20 18:51
            This depends on your loan use and your own conditions.

    Credit loans:
    1. General credit loans require the applicant to have a legitimate career and stable income (generally required to provide the bank's water to prove wage income).
    2. Need to have a good credit history, no bad debts, or multiple deferred repayments.
    3. If you have real estate, vehicles can help you increase the amount and possibility of loans.
    4.Loan amountGenerally about 10 times your monthly salary income.

    Mortgage loans depend on whether you have a car or a house. In general, banks can lend 60% to 80% of the housing appraisal value.

    The conditions are financial certificates and identity certificates related to themselves. For example, the basic information to be provided includes the loan application form; a copy of the ID card (including the spouse); a copy of the account booklet; a copy of the marriage certificate, etc.

    When applying for personal housing and commercial loans, the borrower must provide the purchase contract for commercial housing or the contract for the sale and purchase of commercial housing, and the proof of first payment (invoice and bank payment statement);

    ApplicationStudent Loans, must provide a letter of enrollment issued by the education unit;

    ApplicationStudy Loan, must provide a letter of enrollment or other valid admission certificate issued by a study abroad school, and has completed the passport of the People's Republic of China for the entry visa of the country where the study abroad school is located;

    ApplicationDecoration loan, must provide the decoration contract and decoration budget book, as well as the first payment certificate (invoice and bank statement of payment);

    When applying for a loan for consumer durables, a purchase and sales contract for durable consumer goods must be provided, as well as a proof of initial payment (invoice and bank statement of payment);

    When applying for business loans (except for business loans), you must provide business licenses, tax registration certificates, purchase and sales contracts, and financial statements.
  • Manager Credit Manager Service Area: Suzhou Service Organization: Wesson Financial
    2014-05-20 16:21
            ID cards, certificates of qualification certificates are also provided. The condition is a stable job or a car or room, or a major shareholder
  • Cai Manager Credit Manager Service area: Shenzhen Service Organization: Huilitong Guarantee
    2014-05-20 14:51
            More than 3,000 wages, there must be more than six months of social security, half-way can not change the company. The evidence provided is mainly water bills, job certificates, etc.
  • Manager Zhou Credit Manager Service area: Shenzhen Service Organization: China CITIC Bank
    2015-03-04 18:25
            There are real estate in Shenzhen, you can do mortgage consumer loans; there are real estate companies in Shenzhen, you can do a mortgage business loan;
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