If you want to borrow money from a bank, you need to meet the following conditions: 1. The applicant must be a natural person with full capacity for civil conduct. 2. Having urban permanent residence or valid residence status requires the borrower to have legal status. 3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan. 4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records. 5. Some also require providing assets recognized by the bank as collateral or pledge, or taking units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the loan principal and interest and bear joint and several liabilities. In addition, the following materials are required: 1, valid ID card and household registration book of the borrower; 2, proof of marital status, unmarried need to provide proof of unmarried, divorce needs to issue a court civil mediation or divorce certificate (indicating that you 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; 4. The borrower's income certificate (local salary income certificate or tax payment certificate for half a year) 5. If collateral is needed for loan, proof of the right of collateral must be provided, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;
If you want to borrow from a loan company, the first thing you need to pay attention to is the provisions on loan interest. If the interest rate is too high, it is recommended that the borrower carefully consider his own economic situation and make a choice that meets his own conditions. In addition, it depends on what information the loan company needs the lender to provide, and it is necessary to carefully choose the terms related to its own interests.
In addition, it should be noted that if personal credit information is not good, it will set many obstacles for your loan application. If you don't have a job, there are two ways to apply for a loan: one is to borrow in the name of relatives and friends; The second is to use your property as collateral to get a loan; Or you can pay some interest and get a loan through a loan intermediary.