What procedures and certificates are needed to get a loan from a bank?
The procedures required for bank loans are as follows:
First, the customer will apply for a loan from the bank; Then the bank began to evaluate all aspects of materials after accepting it; Then open a current personal deposit account and sign a contract; Finally, there will be some things in the registration of real estate mortgage.
The documents required for handling the loan are as follows:
1. You need to bring the borrower's valid ID card, household registration book, the borrower's income in the bank for half a year or local tax certificate.
2. Unmarried, provide proof of unmarried. If you are married, you should also provide your spouse's valid ID card, household registration book, marriage certificate and other important information documents. If the customer applying for a loan divorces, the divorcee shall present the court's civil mediation or divorce certificate to prove that he has not remarried after the divorce;
3, but also provide proof of property ownership; There must also be a guarantor, and you need to provide ID cards, household registration books, marriage certificates, etc.
In addition, there are many things to pay attention to in loans. First, you must have collateral to lend; The age of the borrower should also be provided. Male age+loan time must not exceed 65 years old. If it is a female loan, the female requirement cannot exceed 60 years old. In addition, the loan must have the guarantor and the relevant documents of the guarantor. However, if there are blacklisted customers in the credit information system, such customers cannot apply for loans.
To sum up, loan is a troublesome thing. It is necessary to prepare all kinds of materials and certificates in advance, and it is also required that there should be no bad records in the credit investigation.