1. What conditions do individuals need to meet when applying for bank consumption loans?
General banking requirements include:
1. The borrower must be a Chinese mainland resident and have reached the loan age.
2. The borrower is a person with full capacity for civil conduct.
3. The borrower has a stable income.
4. The borrower has good credit information.
5. The borrower has good repayment ability.
6. Other bank loan conditions
2. What materials do banks need to provide for consumer loans?
Different loans provide different materials. If it is a consumer loan, it is generally necessary to submit personal identification, work certificate, income certificate, credit report and other relevant materials required by the bank.
Take CCB's fast loan as an example.
CCB's "quick loan" is a full-process online self-help loan for individual customers launched by CCB. Users can complete loans online through electronic channels, including real-time application, loan approval, contract signing, withdrawal and repayment.
At present, there are self-service channels such as China Construction Bank's mobile banking, online banking and intelligent teller machines, which do not need any other intermediary or others to handle.
The loan target is individual CCB customers with good credit, and it is possible to get a quota for doing business in CCB, such as saving money, wealth management, national debt, funds, and paying wages on behalf of others.
The loan amount is generally between 65,438+0,000-300,000, and can be used for 65,438+0 years at most. During the validity period of the loan amount, it can be used at any time and repaid at any time.
There are three main ways to use it, one is to withdraw cash independently, the other is to use online banking to pay when shopping on domestic e-commerce websites, and the third is to use the debit card signed by fast loan to swipe the card at merchant POS.
Third, the enterprise bank loan conditions
1. The loan enterprise must be an enterprise approved and registered by the administrative department for industry and commerce;
2. Enterprises with fixed business premises, necessary business facilities, independent accounting, self-financing, independent operation and independent civil liability;
3. Have a sound financial accounting system, and provide business operation reports and statistical reports to banks;
4. Abide by national laws, regulations and policies and operate according to law;
5. The loan is used for industries permitted and encouraged by national policies.