1. Prepare the original and copy of your bank card.

2. I misremembered the card number of the loan.

3. Appeal to the management of CBRC.

4. Explain the actual situation to the CBRC.

5. Prove that you are innocent, not cheating on loans.

I. Bank loan conditions

Personal credit loan conditions

1. The borrower is at least 18 years old and is a natural person with full capacity for civil conduct;

2. The borrower has a permanent residence or valid residence status in China; Provide valid personal identification;

3. The borrower has a good credit record;

4 have the ability to repay the loan and provide proof of stable income, bank procedures and labor contracts;

5. Use of the loan certificate: documents such as purchase contract, purchase contract, admission certificate and investment plan;

6. Proof of stable address: house lease contract, utilities, property management fee, etc.

7. Provide valid certificates recognized by the lending institution, and provide true and valid relevant information required by the bank;

8. Other conditions stipulated by bank lending institutions.

Second, the housing mortgage loan conditions

1, identification (both husband and wife);

2. Marriage certificate;

3. Household registration book;

4. Proof of income and bank flow in the last six months; (or other proof of assets)

5. Real estate license; (or copy)

6. Proof of loan use;

7. The identity certificate of the payee and the payee account number;

8. Water and electricity charges for the latest building.

Three, the conditions of college students' entrepreneurial loans

1, fresh graduate, graduated within two years;

2. College degree or above;

3. 18 years old or older.

Four, self-employed loan conditions

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Other conditions stipulated by the bank.

Verb (abbreviation of verb) housing mortgage loan conditions

1, ID card, household registration book.

2. Proof of income or stable bank flow.

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Have a house purchase contract or agreement and an invoice.

5. Other conditions stipulated by the bank.

Sixth, the terms of the car loan.

1, with valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Legal basis:

General Rules for Loans of China People's Bank

Article 17 A natural person borrower shall meet the following basic conditions:

(1) Holding a legal identity card or a valid residence certificate in China;

(2) Having full capacity for civil conduct;

(three) good credit, stable income or assets, and the ability to repay the principal and interest on schedule;

(4) Unless otherwise provided by the administrative organ.