Information required for loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
Including loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (if a spouse needs to provide it, it is not required). 2. After preparing the relevant materials, the applicant submits the relevant materials and the fees payable by the applicant to the bank with the loan application form, and then the applicant signs a loan contract with the bank as a legal document of both parties. 3. The next step is review. If it is a house purchase loan, the bank will conduct a preliminary examination first, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and the fees charged. 4. After the final loan and customer-related procedures are completed, the bank will evaluate the borrower, approve the loan and submit it to the superior for approval. Subsequently, the staff informed the borrower of the loan amount, term, interest rate and other detailed information, and transferred the money to the customer account.
Legal basis:
Interim Measures for the Administration of Personal Loans
Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.
Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.