The following materials are needed: application form for establishing credit relationship, contract for establishing credit relationship, application form for working capital loan of XX production enterprise, loan contract, identity documents, capital documents, etc. There are several situations:

1, personal housing mortgage loan:

Identity certificate, marriage certificate and household registration book of the borrower and spouse; Proof of income and running water; Proof of down payment, purchase contract and other materials required by the bank.

2. Personal consumption mortgage loan:

Identity certificate, marriage certificate and household registration book of the borrower and spouse; Income certificate, real estate license, use contract, etc.

3, personal (enterprise) operating loans:

Identity certificate, marriage certificate and household registration book of the borrower; Income certificate, personal running water, real estate license, sales contract; Business license, account opening permit, organization code certificate, tax registration certificate, articles of association, enterprise running water, etc.

4. Personal unsecured loans:

Identity certificate, marriage certificate and household registration book of the borrower; Proof of income, personal running water, proof of income; Business statements, etc. (Property certificate, driving license, stock and other assets certificates).

5. Unsecured loans of enterprises:

The identity certificate of the borrower; Company business license, tax registration certificate, account opening permit, organization code certificate, articles of association and capital verification report, official seal, company annual running water, personal running water, company business report, tax payment certificate for the last six months, etc. (Property certificate, driving license, stock and other assets certificates).

Extended data

Provide real loan information to the bank, accurately provide my address and contact information, and notify the bank in time when changes occur; The purpose of the loan should be legal and compliant, and the transaction background should be true; According to the repayment ability and future income expectation, choose the repayment method that suits you; Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income; Repay on time to avoid bad credit records.

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