What are the eligibility requirements for OCBC personal loan?
To qualify for an OCBC personal loan in Europe, you must meet the following requirements:
- Age: 18 years old and above (21+ for some EU countries like Germany and France)
- Residency: Legal resident of any EU country with valid residency certificate
- Income: Minimum annual income of €12,000 for EU residents; €45,000 for non-EU residents working in the EU
- Credit: No recent defaults, bankruptcies, or bad credit records; fair credit score (550+) preferred
- Bank Account: Valid EU bank account for fund disbursement and repayment
Special Note: Expats in the EU can apply without local credit history (eligible applicants only).
