What are the loan terms of Jinhua Bank?

What are the conditions for granting loans?

The basic conditions for personal loans are as follows:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate.

2, have a stable legal income and proof, have the ability to repay interest.

3. When the loan business needs a down payment, it has the ability to pay the full down payment.

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met.

If you apply for a credit loan, you need to have a good reputation.

6. Other conditions meeting the requirements of the bank.

7. Have your own house or car, housing provident fund or social insurance.

8. In the case of a physical plant and an individual business license.

9. The personal credit report is perfect and in good condition.

Nowadays, lending has become a habit. More and more people use loans to set up their own companies or invest in some enterprises, while others use loans to buy cars or houses. But generally, as long as they have a normal job or a stable source of income, we can borrow money, but we must ensure that their personal credit information is good, otherwise there will be some unnecessary.

Personal credit information is the mark of a person's economic strength, so when we borrow money from a bank, we usually need to print out this report and give it to the bank for review. The bank will review it and then conduct a confident review. After the approval, you can make loans according to your own economic ability. The amount of the loan will vary according to the individual's economic strength. The amount is different. Some people can borrow 50,000 yuan, while others can borrow 200,000 yuan.

In addition, if the audit fails, it means that you have a bad consumption record, or you have other overdue phenomena, your report will be unqualified, then you will not be able to complete the bank's loan behavior, so you should pay attention to rational consumption at ordinary times and don't lend money easily. Even after the online loan, you should repay it in time, and don't overdue it, otherwise it will be included in your credit report.

What are the conditions for applying for a loan?

Common loan types and loan conditions

1. Application conditions of unsecured individuals

China citizens aged 1 or above.

2. Have a stable job or operate an industry with great market potential and good returns, and ensure the ability to repay the principal and interest in the later period.

3. Good credit, no excessive overdue or malicious default.

This man has no criminal record.

5. Other conditions stipulated by the bank.

Second, personal consumption loan application conditions

1. Natural persons have civil capacity, and the loan period is generally not more than 55 years old;

2, the city's permanent residence and effective residence loan amount;

3. Have legal and stable economic income and good credit and loan service capabilities;

4. Have a clear intention of consumption or have signed relevant consumption contracts;

5. It can provide the security recognized by the lender.

Three, personal business loan application conditions

1, aged over 25 and under 55, with fixed business premises, fixed residence or valid residence certificate;

2. The borrower and its business entities have good credit, and there are no illegal acts and bad credit records;

3. It has a stable income source and the ability to repay the principal and interest on schedule, and the business entity operates stably;

4. Other loan conditions stipulated by relevant banks.

What conditions does the loan need to meet?

Requirements for rural loans:

(1) is over 18 years old (including 18 years old), and the sum of the age at the time of applying for the loan and the loan term is not more than 65 years old (including 65 years old); Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents.

(2) According to the Administrative Measures of Bank of China on Customer Credit Rating of Agriculture, Countryside and Farmers, the customer credit rating result is medium or above.

(3) should have a stable income and the ability to repay the loan principal and interest on schedule.

(4) Production and business operation activities conform to national laws and regulations and industrial policies.

(5) Good conduct when applying for loans, and no overdue loans.

(6) Other conditions stipulated by the lender.

What are the conditions for a bank loan?

Bank loan terms:

The lender has a stable occupation and income, and the lender has the ability to repay the loan principal and interest on time. The actual age of the lender plus the loan application period shall not exceed 70 years old.

Loan conditions refer to the conditions that borrowers or individuals should have to borrow from banks. The current loan conditions of Chinese banks are:

(1) An enterprise established with the approval of the competent department and holding a business license issued by the administrative department for industry and commerce at or above the county level, and a product with a production license for industrial products implemented by the state shall obtain a production license, that is, the loan object is legal;

(2) independent economic accounting, with capital utilization, production and operation management, that is, the loan object has obtained legal person status and assumed clear economic responsibilities;

(3) Have a certain amount of self-owned liquidity and establish a liquidity supplementary system, that is, the loan object should have the ability to operate normally and take risks;

(4) Open an account in a bank and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of the bank.