1, aged between 25 and 55;
2, working in the current unit for half a year, the average monthly income for half a year is not less than 3000 yuan, and some cities (Shenzhen, Guangzhou, Shanghai, Hangzhou) are not less than 4000 yuan;
3. There must be a credit record. Customers who have not applied for a credit card cannot apply;
4. Those with stable and sustained wage income can also be individual industrial and commercial households and business owners.
Meet the above conditions, you can apply for a bank credit loan with a minimum loan amount of 30,000 yuan and a maximum loan amount of 300,000 yuan.
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee.
Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method of Chinese banks. Because of the high risk of this kind of loan, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. It is mainly applicable to enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and conform to the general principles of loans and bank regulations.
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method of Chinese banks.
General rules of loans
According to the general principle of loan, credit loan refers to the loan issued only according to the credit status of the borrower without guarantee. When granting credit loans, lenders must strictly examine and evaluate borrowers and confirm that their credit has repayment ability.
The original loan general rules even stipulated that "credit loans should be strictly controlled and secured loans should be actively promoted". Due to the high risk of credit loans, in order to reduce the risk, most financial institutions generally need to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers.