China Agricultural Bank Decoration Loan Recruitment Conditions

Conditions include age, full capacity for civil conduct, specific income and no bad credit record.

1. The age of the borrower needs to be between 18 and 60 years old, and the actual age of the borrower plus the loan application period should not exceed 70 years old.

2. Identity borrowers can apply as long as they are citizens with full civil capacity, and mainland, Hong Kong, Macao and Taiwan or foreign citizens can apply.

3. Working income Borrowers need to have a legal and stable source of work and income, and have the ability to repay the principal and interest of the loan on schedule.

4. Personal credit situation of personal credit applicant is very important, and there should be no bad credit record, otherwise it will be difficult to apply for a bank loan. Generally speaking, bank loans generally need to provide guarantees, house mortgages, or proof of income. People with good personal credit information have a higher success rate.

Applying for personal credit loans for decoration credit loans is unsecured, but more than half of the credit loan products in the market have high requirements for consumers, or the threshold for asset certification is high, or people in specific industries, VIP customers and senior management of the company can apply, and the applicant's work nature, industry and income must be strictly examined. Decoration loan of personal consumption loan The consumption loan here refers to the mortgage loan with certificate, that is, the consumption loan with real estate as mortgage.