Personal loans include: personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and business loans, personal credit loans, personal certificates of deposit (national debt) pledge loans, etc. These loans mainly apply for loans from credit loans and mortgage loans, and the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided. Requirements for bank loans:
(1) A permanent residence for urban residents or a valid residence identity card with full capacity for civil conduct at least 18 years old and below 65 years old next year;
(2) Pay the down payment;
(3) Have a stable legal income and the ability to repay the interest;
(4) When applying for a loan, the property buyer shall receive free funds not less than 3% of the purchase price.
(5) The borrower agrees to use the purchased house and its rights and interests as collateral;
(6) The property right of the purchased second-hand house is clear, which conforms to the conditions stipulated by the local government to enter the real estate market;
(7) The purchased house is not within the scope of the demolition announcement.
(8) Other conditions required by the lending bank.
loan amount: loan amount is determined by the bank according to the borrower's credit standing and the guarantee provided. Where individual housing is mortgaged, the maximum loan amount shall not exceed 7% of the value of the mortgaged property; Where individual commercial houses are mortgaged, the maximum loan amount shall not exceed 6% of the value of the mortgaged property. Materials to be submitted when applying for a loan The loan applicant applies to the bank, fills in the application form in writing, and submits the following materials at the same time:
1. Valid identity documents;
2. proof of permanent residence or valid residence, and proof of fixed residence;
3. proof of marital status;
4. proof of income or personal assets;
5. In case of mortgage loan, it is necessary to provide the house ownership certificate of the mortgaged house, the identity certificate of the owner (including the legal owner) of the mortgaged house, proof of marital status and written proof of consent to mortgage; And evaluate the value of collateral according to regulations and provide evaluation reports; If the mortgaged house is exempted from assessment, relevant certification materials that meet the conditions for exemption from assessment shall be provided, including the transaction contract or the last assessment report;