First, he has reached the age of 25 and has 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.
Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation.