How to handle personal credit loans of banks? What conditions do you need to apply for a personal credit loan from a bank?

Applicants for personal credit loans of banks require:

China citizens with permanent residence in China, permanent residence in local towns (or valid certificates), full capacity for civil conduct and meeting the following conditions may apply for personal credit loans.

1. Have a proper occupation and a stable income source (the monthly salary income must be above 1000 yuan), and have the ability to repay the loan principal and interest on schedule;

2. The borrower's unit must be an administrative, enterprise or institution recognized by the bank and having a good cooperative relationship with the bank, and the bank needs to pay wages on its behalf;

3. Abide by the law, and have no illegal acts and bad records;

4. Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

Personal credit loan process:

1. The borrower shall submit the following information:

(1) loan application approval form;

(2) my valid identity certificate and a copy;

(3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months);

(4) Work and income certificate (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );

(5) Effective contact information and telephone number;

(6) Personal settlement account vouchers opened in CCB, ABC and ICBC;

(7) Other materials specified by the company.

2. After the application materials submitted by the borrower are approved by the company, both parties sign a loan contract.

The company issues loans to borrowers through transfer.