Credit cards are blacklisted and cannot apply for loans; The loan applicant must have good credit information and provide corresponding materials according to the loan type: 1 and Sanlian Bao loan. The three economic entities operate with their respective business licenses, guarantee each other and lend to the bank; Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses; 2. Mortgage loan is based on real estate, that is, real estate (real estate) is used as collateral, and the business enterprise (business license) is used as the lender to apply for a loan. Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report; 3. Second-hand housing mortgage loan is second-hand housing. You need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself. Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate. 4. First-hand housing mortgage loan To buy a newly developed new house, you need to use the newly bought property as collateral to apply for a mortgage loan for the lender. The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate. Generally, it is relatively simple for developers to collectively mortgage first-hand houses.