银行抵押贷款有什么要求-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	银行抵押贷款有什么要求
释义	1、持有合法有效的身份证件，具有当地城镇常住户口或有效居留身份，有固定住所。 2、经工商部门批准，依法登记注册，持有合法有效的营业执照。 3、有固定的经营场所，有明确的生产经营计划，贷款用途明确合法。 4、信用良好，无违约行为和不良信用记录，有按期偿还贷款本息的能力，并愿意接受贷款行信贷结算监督。 5、能提供办理贷款的银行认可的合法有效的担保。 6、法律和办理贷款的银行规定的其他条件。法律依据《个人贷款管理暂行办法》第四条
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