Now that prices are rising, although the standard of living has generally increased a lot, the number of bank loans is increasing, and there are various credit cards, such as Alipay flower and so on. So what information do you need to prepare for bank loans? What are the conditions for bank loans? Let's take a look with Xiaobian.
Information required for bank loans:
1. Valid ID card;
2. Permanent residence certificate or valid residence certificate, and fixed residence certificate;
3. Marriage status certificate;
4. Bank flow;
5. Income certificate or personal asset status certificate;
6. Credit report;
7. Plan or statement of loan use;
8. Other information required by the bank.
Conditions for bank loans:
(1) For those who have reached the age of 18 years and have full capacity for civil conduct, permanent residence of urban residents or legal and valid resident identity certificate, the age of the lender is generally between 18 and 60;
(2) They have stable legal income and the ability to repay and pay interest;
(3) Good credit reference ability;
(4) Other conditions required by the lending bank.