Information to be provided by the borrower

1. Husband and wife household register

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

3. Proof of income (bank refers to

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

5. Credit certificate: including education certificate, other real estate and bank running water.

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

2. What procedures and certificates are needed for bank loans?

1. What documents do you need for a bank loan?

Due to different lending institutions, the requirements for loans are also different. Generally speaking, the basic documents include the following contents:

1, personal loan

When individuals apply for loans from banks, they mainly carry information that can prove their personal identity, including ID card, household registration book, marriage certificate and residence permit. In addition, you should also prepare materials to prove your repayment ability: work certificate, income certificate, bank account, assets certificate (social security provident fund, mortgage house, full house, life insurance policy, car, wealth management, large deposit certificate) and so on.

2. Mortgage loan

Compared with pure credit loan, mortgage loan has higher quota and higher pass rate, but the process is complicated and more documents need to be provided. In addition to the basic information needed for personal loans, you also need to prepare real estate license, married marriage certificate, husband and wife household registration book, husband and wife credit report, divorce certificate, divorce agreement, asset certificate, etc.

3. Operating loans

There are many enterprise loan documents, so it is necessary to prepare business license, business process, business place, official seal, articles of association, enterprise credit investigation, proof of fund use, and provide financial statements and tax payment records when necessary.

2. What are the procedures for bank loans?

1, submit information. Whether you go to a bank outlet or online, you need to submit all kinds of documents required by the bank.

2. Waiting for review. Mortgage loans and operating loans may need to evaluate assets. , and then wait for the bank to review.

3. After approval, you can sign a contract and handle mortgage registration.

4. Waiting for a bank loan.

3. Do banks need household registration books, marriage certificates or divorce certificates to handle loans?

Need a household registration book and proof of marital status. Materials to be prepared for the loan: ID cards of both husband and wife of the borrower;

The borrower's household registration book/foreigner needs temporary residence permit and household registration book; Marriage certificate/divorce certificate or judgment/single certificate; Proof of income; Academic certificate; Bank flowing water; Other attributes; Copy of the business license of the unit (with official seal); Large deposit certificates, etc. ; 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; Other information required by the bank. Note: References are taken from Xinhuanet.