What should I prepare to apply for a loan from a rural commercial bank?

materials that the borrower should provide

1. ID cards of husband and wife, household registration book/temporary residence permit for foreigners and household registration book

2. Marriage certificate/divorce certificate or judgment/single certificate

3. Income certificate (in the format specified by the bank)

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

5.

The process of rural commercial bank loan:

1. Voluntary application. Eligible applicants shall submit a written application to the grassroots employment platform of their registered permanent residence or business location (some may directly submit it to the local human resources and social security department or guarantee institution), and submit relevant materials, certificates or relevant certificates;

2. Review recommendations. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund according to relevant regulations;

3. Commitment to guarantee. The guarantee institution shall review the project of the applicant in accordance with the relevant provisions, and handle the guarantee procedures for those who meet the requirements;

4. Issue loans. The loan applicant promised by the guarantee institution shall sign the contract and issue the loan after being examined and approved by the handling bank in accordance with relevant regulations. The handling bank refers to all kinds of financial institutions at all levels that have signed cooperation agreements with guarantee institutions to carry out small-sum secured loan business.

Extended information:

According to the General Principles of Loans:

Article 7 Self-operated loans, entrusted loans and specific loans:

Self-operated loans refer to loans independently issued by the lender with funds raised by legal means, and the risks are borne by the lender, and the principal and interest are recovered by the lender.

entrusted loans refer to loans provided by principals such as government departments, enterprises, institutions and individuals, which are issued, supervised and recovered by lenders (i.e. trustees) according to the loan object, purpose, amount, term and interest rate determined by the principals. The lender (trustee) only charges the handling fee and does not bear the loan risk.

a specific loan refers to a loan that is authorized by the State Council to be issued by a wholly state-owned commercial bank after taking corresponding remedial measures for the possible losses caused by the loan.

Article 8 Short-term loans, medium-term loans and long-term loans:

Short-term loans refer to loans with a loan term of less than one year (inclusive).

medium-term loans refer to loans with a loan term of more than one year (excluding one year) and less than five years (including five years).

Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).

Article 9 Credit loans, secured loans and bill discounting:

Credit loans refer to loans granted in the credit of borrowers.

secured loans refer to secured loans, mortgage loans,.

a guaranteed loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of the People's Republic of China, in which the borrower promises to assume the general guarantee liability or joint liability as agreed when the borrower fails to repay the loan.

mortgage loan refers to a loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of the People's Republic of China.

, refers to the loan issued with the movable property or rights of the borrower or a third party as the pledge according to the Guarantee Law of the People's Republic of China.

bill discount refers to the loan granted by the lender by purchasing the unexpired commercial paper of the borrower.

article 1 in addition to entrusted loans, when the lender issues loans, the borrower shall provide guarantees. The lender shall strictly examine the repayment ability of the guarantor, the ownership and value of the collateral and pledge, and the feasibility of realizing the mortgage and pledge.

if the borrower's credit standing is confirmed by loan review and evaluation, and the loan can be repaid, no guarantee may be provided.