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Apply for credit loans which conditions are required?

Personal credit loans is currently very popular, but borrowers need to obtain bank credit, it is a big deal, banks are very strict approval procedures, and the interest on such loans is higher than mortgage interest. But what if you need to apply for credit loan demands?
normal circumstances, banks require that borrowers have the second-generation ID card, proof of stable employment, proof of income, proof of loan purpose; personal good credit status; conditions of the borrower's income has some restrictions, generally require the borrower's average monthly income of not less than 4000 Yuan.
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