2. The borrower has a stable job and a stable source of income, and has strong solvency;
3. When applying for a loan, the borrower has been working in the unit for more than six months continuously;
4. The borrower's credit report is good and there is no overdue record;
5. Other conditions required by the bank.
Brief introduction of loan
Users need to provide personal identity documents, work certificates, personal credit reports and other information when applying for loans from banks. The bank will review the applicant's information, and if it is approved, it will give a certain credit line. After the user gets the loan, he must repay the principal and interest on time, and there can be no overdue situation. Because the consequences of overdue are very serious, it will not only produce penalty interest, but also have a negative impact on personal credit report. Once the user is overdue, it will be transmitted to the credit center and will be recorded in detail in the personal credit report in the future. This will cause users to want to borrow it again, which will become very difficult.