1. The materials to be submitted by the rural commercial bank for loan include: the valid identity documents of the borrower and his spouse (referring to the resident identity card, household registration book or other valid identity documents); Married people should provide proof of marital status. Unmarried persons should provide proof of unmarried identity or sign a declaration of unmarried identity; Assets, liabilities, income and expenditure; Proof of loan purpose; Other loan information required by the lender. Rural commercial bank loans require borrowers to be between 18-65 years of age, have legal and stable income, have good credit, and can provide guarantees recognized by lenders. A legal citizen with full capacity for civil conduct, the applicant 18 years old, and the maturity date of the loan is generally not more than 65 years old; Have permanent residency or valid residence status in the town where the lender is located; It has legal and stable economic income, good credit and the ability to repay the principal and interest of loans; Have a clear intention of consumption or have signed relevant consumption contracts; Being able to provide the guarantee recognized by the lender; Other loan conditions required by the lender.
2. The materials to be submitted for rural commercial bank loans include: valid identity documents of the borrower and his spouse (referring to resident identity cards, household registration books or other valid identity documents); Married people should provide proof of marital status. Unmarried persons should provide proof of unmarried identity or sign a declaration of unmarried identity; Assets, liabilities, income and expenditure; Proof of loan purpose; Other loan information required by the lender.
Legal citizens of People's Republic of China (PRC) who have reached the age of 18-60 must provide the official second-generation ID card. People who are too old are easy to be rejected. Generally speaking, the success rate of young and middle-aged people is relatively high.
3. Personal credit information, all bank loans need to check the credit information records. If the debt ratio is too high or there is a bad credit record, it will have a great impact on the success rate of approval, so you must ensure that your credit record is good. The place to apply for a loan should have a stable residence and can provide proof of residence. Such users are relatively stable. Loans to rural commercial banks should meet the conditions of rural commercial accounts. Tips: The loan amount of rural commercial banks is generally 70% of the house value. Mortgage loans need to provide real estate licenses. If there is no real estate, you can consider a credit loan. Generally speaking, if it is a small loan, the payment will be quick after application, about one month. However, if you apply for a mortgage loan, it will take about one week to apply for the mortgage certificate after you complete the real estate license, and then deposit the mortgage certificate in the bank. It takes about 1-2 months for the bank to lend money.