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

Questioner: REN*** City: Shenzhen Tags: mortgage, common knowledge Question Time: 2014-05-20 12:58
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  •                             Enthusiastic friends
    2014-05-20 15:32
            I don't know what type of loan you want to apply for. The specific application conditions for different loan product types are different.

    Mortgage loan:
    1. You need to provide collateral, usually a property.
    2. General banks require that there is no mortgage on the property (or not finished)Mortgage LoansNo, unless you can make a loan before you lend.
    3. Generally, the age of the property cannot be too high (it is rarely accepted for more than 20 years)
    4. Generally, 60% to 80% of the value of the house loan can be loaned to the house.

    Credit loan:
    1. General credit loans require applicants to have a legitimate job and a stable income (generally required to provide the bank's running water to prove the wage income).
    2. Need to have a good credit history, no malicious arrears, or multiple delays in repayment.
    3. If you have real estate, vehicles can help you increase the amount and possibility of the loan.
    4.Loan amountGenerally it is about 10 times your monthly salary income.

    The basic information that needs to be provided includes the loan application form; a copy of the ID card (including the spouse); a copy of the household registration; a copy of the marriage certificate, etc.

         When applying for personal housing and retail loans, the borrower must provide a commercial housing purchase contract or a commercial housing sales contract, as well as a down payment certificate (invoice and bank payment slip);

    ApplicationStudent LoansAt the time of the admission, an admission letter issued by the educational unit must be provided;

    ApplicationStudy abroad loanAt the time, you must provide a letter of admission or other valid admission certificate issued by a foreign study school, and you have already completed the passport of the People’s Republic of China for the entry visa of the country where you are studying abroad;

    When applying for a renovation loan, you must provide a renovation contract and renovation budget, as well as a down payment certificate (invoice and bank payment slip);

    When applying for a durable consumer goods loan, you must provide a durable consumer goods purchase and sale contract, as well as a down payment certificate (invoice and bank payment slip);

    When applying for a business loan (except for a shop loan), you must provide a business license, tax registration certificate, purchase and sales contract, and financial statements.
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Other answers4 in total

  • Zhuo Manager Credit manager Service area: Shenzhen Service organization: Rongsheng Automobile
    2014-05-20 18:51
            Look at your loan use and your own conditions.

    Credit loan:
    1. General credit loans require applicants to have a legitimate job and a stable income (generally required to provide the bank's running water to prove the wage income).
    2. Need to have a good credit history, no malicious arrears, or multiple delays in repayment.
    3. If you have real estate, vehicles can help you increase the amount and possibility of the loan.
    4.Loan amountGenerally it is about 10 times your monthly salary income.

    Mortgage loans depend on whether you have a car, a mortgage or the like. Generally, the bank can lend to 60% to 80% of the value of the house evaluation.

    The conditions are financial certificates and identification certificates related to themselves. Such as: the basic information that needs to be provided includes the loan application form; a copy of the ID card (including the spouse); a copy of the household registration; a copy of the marriage certificate, etc.

    When applying for personal housing and retail loans, the borrower must provide a commercial housing purchase contract or a commercial housing sales contract, as well as a down payment certificate (invoice and bank payment slip);

    ApplicationStudent LoansAt the time of the admission, an admission letter issued by the educational unit must be provided;

    ApplicationStudy abroad loanAt the time, you must provide a letter of admission or other valid admission certificate issued by a foreign study school, and you have already completed the passport of the People’s Republic of China for the entry visa of the country where you are studying abroad;

    ApplicationRenovation loanAt the time, the renovation contract and renovation budget must be provided, as well as the down payment certificate (invoice and bank payment slip);

    When applying for a durable consumer goods loan, you must provide a durable consumer goods purchase and sale contract, as well as a down payment certificate (invoice and bank payment slip);

    When applying for a business loan (except for a shop loan), you must provide a business license, tax registration certificate, purchase and sales contract, and financial statements.
  • Manager Credit manager Service area: Suzhou Service organization: Weixin Finance
    2014-05-20 16:21
            ID cards, qualification certificates, and some qualifications are also required. The condition is stable work or having a car or a house, or a major shareholder
  • Manager Cai Credit manager Service area: Shenzhen Service organization: Huilitong guarantee
    2014-05-20 14:51
            If you have more than 3,000 wages, you must have social security for more than half a year. You cannot change your company in the middle. The evidence provided is mainly the flow bill, work certificate, etc.
  • Manager Zhou Credit manager Service area: Shenzhen Service Agency: CITIC Bank
    2015-03-04 18:25
            There are real estates in Shenzhen, you can do mortgage consumer loans; there are real estate companies in Shenzhen, you can do mortgage business loans;
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