How to apply for a credit loan

Conditions and procedures for individuals to apply for credit loans:

1. Have a proper occupation and a stable income source (the monthly salary income must be above 1000 yuan), and have the ability to repay the loan principal and interest on schedule.

2. The borrower's unit must be an administrative, enterprise or institution recognized by the bank and having a good cooperative relationship with the bank, and the bank will pay wages on its behalf.

3. Abide by the law, and have no illegal acts and bad records.

4. Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account.

5. Other conditions stipulated by the bank. Suggest a loan to Mo Long. Payees are people aged 25-55 who need large loans and non-online lenders. When the bridge was opened to traffic, Bai Hua and Xiaoman borrowed small loans. There are many product choices to meet diversified needs.

Loan process:

1. The borrower submits the following information to the bank:

(1) loan application approval form.

(2) my valid identity certificate and a copy.

(3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months).

(4) proof of occupation and income (original and photocopy of work certificate; Banks issue wage passbooks, etc. ).

(5) Effective contact information and telephone number.

(6) The personal settlement account book opened in ICBC cancels the account voucher.

(seven) other information required by the bank.

2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract.

3. The bank issues loans to borrowers through transfer.

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee.