1. Having reached the age of 23 and having full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.
Third, the credit record is good and there is no bad credit record.
Fourth, it can provide legal and effective guarantees recognized by banks.
Fifth, other conditions stipulated by the bank.
Generally meet the above conditions, you can apply for a loan from a commercial bank.
Precautions:
1. When applying for personal loans, borrowers should make correct judgments on their economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.
2. Choose a good loan bank.
3. Choose the most suitable repayment method. There are two repayment methods: one is equal repayment,
The other is equal principal repayment. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.
The information provided to the bank should be true.
Providing my address and the address provided by the borrower to the bank accurately will facilitate the contact between the bank and it.
Receive the repayment notice from the bank on time every month. When the People's Bank of China adjusts the loan interest rate, you can receive the interest rate adjustment notice from the bank at the beginning of the year. In addition, it is especially important to remind borrowers that when you move to a new house, you must inform the loan bank of your new contact address and contact information in time.
6. Repay on time every month to avoid penalty interest. For the borrower, it is necessary to pay attention to whether there is enough money in his repayment account before the repayment date agreed every month.
Prevent default due to your negligence, never lose money due to your negligence, and leave a bad credit record in the bank at the same time.
2. What are the housing loan conditions of Ping An Bank?
Ping An Bank needs to meet the following conditions when applying for a housing loan:
1, 30% of the self-owned funds of the purchased house is used to pay the down payment of the house;
2. Can provide a legal and effective purchase contract or agreement;
3. The age should be above 18 years old;
4. Have full capacity for civil conduct and be able to bear legal responsibilities;
5. Have legal identification;
6. Have a stable occupation and high economic income, and be able to repay the loan principal and interest on schedule;
7. Good credit record and no credit stain;
8. Being able to provide effective collateral or third-party guarantee recognized by Ping An Bank;
9. Other loan conditions stipulated by local Ping An Bank.
3. What are the requirements for Ping An Bank to provide loans? Ask for information
Ping An Bank's loans are relatively loose. As long as the credit information is not too bad, the age is between 23 and 55, and there are 1-2 normal punching wages, social security, provident fund and insurance, you can generally apply. However, if you don't even apply for a loan from Ping An Bank, it's basically impossible to apply to other banks, so you must manage your own credit information, and the threshold for peace is still relatively low.