1. Second generation ID card; Work certificate; The income proves that the wage bank has been running for nearly three months; Address (water and electricity bills and other documents with detailed addresses) If there is no job, provide a bank account and personal credit report for half a year. Others: submission of tax bills, real estate, automobile production, funds, degrees, etc. The application amount can be increased.

What are the procedures for bank loans?

Bank loans need to be prepared as follows: (1) identification materials; (ID card, household registration book, proof of marital status, etc. ), collateral related documents; (such as household registration book, land certificate, vehicle registration certificate, driving license, etc. ), proof of work income; Other materials specified by the bank. The conditions that the lender needs to meet when applying for a bank loan: (1) a legal citizen of China who has a permanent residence in China, a permanent residence in a local town (or a valid certificate), has full capacity for civil conduct, and is 18-65 years old; Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time; No illegal acts and bad credit records; It can provide effective pledge guarantee of rights recognized by the bank, or it can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability; Other conditions stipulated by the bank. Generally speaking, the process of handling bank loans is as follows: first, the borrower needs to submit a series of materials to the bank except the ID card, fill in the loan application form at the lending institution and apply for a loan. Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract. Finally, the bank issues loans to borrowers through transfer.

How to get a loan from a bank? What are the requirements?

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

Requirements of the Borrower:

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

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

Information to be provided by the borrower:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

According to the Interim Measures for the Administration of Personal Loans:

Article 23

The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

Article 24

The loan contract shall comply with the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the parties' commitment to good faith, the purpose of the loan funds, the payment object (scope), the payment amount, payment conditions and payment methods.

The loan contract should be set with relevant clauses to clarify the liabilities for breach of contract that the borrower should bear when it fails to perform or slowly performs the contract.

Article 25

Lenders should establish and improve the contract management system to effectively prevent the legal risks of personal loans.

If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.

Article 26

The Lender shall standardize the guarantee process and operation according to the Property Law of People's Republic of China (PRC), the Guarantee Law of People's Republic of China (PRC) and other relevant laws and regulations.

The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral.

Personal loans secured by guarantee shall be completed by at least two loan officers.

Article 27

Lenders should strengthen the management of loan issuance, follow the principle of separation of examination and loan, set up an independent loan management department or post, and be responsible for implementing the loan conditions and issuing personal loans that meet the agreed conditions.