For a general loan application, the required materials are as follows: the original and photocopy of the borrower's valid identity certificate; Local permanent residence or valid residence identity certificate, and the borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc. The borrower's pledge right, the list of collateral and ownership certificate required to obtain the amount of pledge and mortgage, and the written document that the owner and the real estate * * * agree to pledge and mortgage. Rmb loan

A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount. Credit certification materials of the guarantor. Collateral appraisal report issued by the appraisal department recognized by the society and other documents and materials stipulated by the bank.