个人贷款申请应具备什么条件-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	个人贷款申请应具备什么条件
释义	个人贷款申请应具备以下条件:(一)借款人为具有完全民事行为能力的中华人民共和国公民或符合国家有关规定的境外自然人;(二)贷款用途明确合法;(三)贷款申请数额、期限和币种合理;(四)借款人具备还款意愿和还款能力;(五)借款人信用状况良好，无重大不良信用记录;(六)贷款人要求的其他条件。法律依据《个人贷款管理暂行办法》第十一条
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