As long as you have civil capacity, you can borrow money. Personal loans need to meet the following conditions: the borrower's valid ID card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
How to borrow 30 thousand from the bank
To get a loan of 30,000 yuan from the bank, the following conditions need to be met: the age is between 18-60 years old; Have a certain repayment ability, preferably a stable income and work, and no laborer needs to submit economic proof materials; Personal credit information is good, and there can be no overdue or illegal records in the credit information; Personal debt ratio should not be too high, and the debt ratio should not exceed 50%. Meet the above basic conditions, users can apply for a loan of 30,000 yuan in any bank, but whether they can pass the loan audit depends on the audit results of the bank.
I want to borrow 30 thousand pounds from the bank. How come?
If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).
Basic conditions for lightning loan application:
1, with China Merchants Bank card;
2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;
3, have the ability to repay the loan on time, no illegal behavior, good credit.
Tips:
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.
3. There are two ways to apply for a loan within the lightning loan limit:
(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.
(2) Lending on T+ 1 day: there will be telephone verification within t+1day, and the loan will be arranged after the information is confirmed. If you don't answer after three times of active contact, the application fails and you need to apply again.
4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.
(Reply time: 65438+February 29th, 2022. The above contents are for your reference. If there are business changes, please refer to the latest business rules. )
Tips: If you have any questions, you can call the official customer service hotline or contact China Merchants Bank APP for online customer service consultation.
How to get a personal loan of 30 thousand
A personal loan of 30,000 yuan requires the user to borrow from the bank and meet the following conditions:
1. A lender who borrows 30,000 yuan must have a stable legal income and proof, and have the ability to repay interest.
2. The lender must be at least 18 years old and have full capacity for civil conduct, with valid residence certificate and identity certificate.
3. When the loan amount of the lender is 30,000 yuan, it is necessary to meet the collateral conditions required by the bank.
If the lender needs to apply for a personal loan of 30 thousand yuan, then it needs to improve its credit conditions.