It is not difficult to get a personal loan from Bank of Ningbo. As long as you meet the loan conditions, you can apply for a loan at Bank of Ningbo. Taking the personal pledge loan of Bank of Ningbo as an example, the conditions are:
1. Have the nationality of the People’s Republic of China; ?
2. Be 18 years or older and have full civil rights Capable of conduct, not over 65 years old when the loan matures, with full civil capacity;?
3. Stable career, with the ability to repay the principal and interest of the loan on schedule;?
4. Have Legal and valid identity certificate, with a fixed residence;?
5. Good credit status;?
6. Provide valid pledge recognized by our bank;?
7. Meet other conditions stipulated by our bank.
Extended information:
Article 13 of the "Interim Measures for the Administration of Personal Loans" After accepting the borrower's loan application, the lender shall perform due diligence responsibilities and review the personal loan application content and related Investigate and verify the authenticity, accuracy and completeness of the situation, and form investigation and evaluation opinions. ?
Article 14 Loan investigation includes but is not limited to the following:
(1) Basic information of the borrower;
(2) Income of the borrower ;
(3) Purpose of loan;
(4) Borrower’s repayment source, repayment ability and repayment method;
(5) Guarantor’s guarantee Willingness, guarantee ability or value and liquidity of the mortgage (pledge).
Bank of Ningbo - Personal Pledge Loan