Personal loans are listed as concerns by banks. According to the small investment of the gold investment loan, the focus is on the five-category classification of credit, which is normal, concern, secondary, suspicious, and loss.
Only secondary, suspicious and loss are non-performing loans.
Personal loan object and conditions
A loan object:
1. Citizens with full civil capacity and overseas and foreign citizens who have the right of abode in the mainland;
2. Pay the first purchase price (not less than 30% of the total purchase price) %);
3. Have a stable economy and the ability to repay the principal and interest of the loan;
4. Agree to use the purchased property as the mortgage for the loan.
Second, the following conditions are met:
1. Hold a legal household registration book (not limited to this), an ID card or business license, a legal representative certificate or a legal residence permit, a passport, and a commercial house designated by the developer at the purchase bank;
2 Open a deposit account in the bank, the balance of the deposit is not less than 30% of the amount of the house to be purchased;
3. Have a valid purchase contract, agreement and other supporting documents;
4. Agree to the housing property under the purchase contract Mortgage;
5. Willing to fulfill all the terms of the loan contract;
6. Other conditions stipulated by the bank.
Three documents to be issued and provided:
1. Original and photocopy of the resident ID card;
2. Original and photocopy of the house subscription book;
3. Original and copy of the payment for the first phase of the house;
4. Monthly supply Proof of ability, including: personal and family certificates, certificates of deposit (passbook or other securities).