Personal loan details and how to apply
self-employed when experiencing cash flow difficulties can apply for personal loans from banks to help them, often for working capital liquidity, updates, purchase the operating equipment or to pay for rental of premises, decoration and so on. Fuzhou today secured loans small loans to members a detailed explanation of this business.
simply put, personal loans to some extent with the SME lending, but higher complexity in the management of its operations. In loan applications, therefore, banks operating on the economic environment and market potential, high levels of management, quality of assets assessment, only standard operators will get a loan approval. And for personal loan rate has to be done very detailed review.
How to apply for a personal loan? personal loan applications and what are the conditions?
1.18 years of age, with full civil capacity of a natural person foreigners and residents of Hong Kong, Macao and Taiwan for borrowers, should have resided in China for a year and have a fixed residence and occupation.
2. have a valid proof of identity and proof of residence
3. borrower with the legally qualified to provide individual business license, a partnership of business license or business license.
4. have good credit history
5. has a stable source of income and ability to repay the loan in full and on time
6. to provide legitimate business sites and the specific use of the loans.
7. banks and other relevant stipulations and requirements
with the above conditions of these operators will be able to apply for a personal loan, although each bank will be in the detail is slightly different, but the principle is the same, we can also go to the local bank counters for detailed consultation.