I. To apply for personal consumption loans, the following materials shall be prepared:

1. Copy of the borrower's ID card and household registration book (identity certificate verification and filing);

2. A copy of the borrower's marriage certificate (family background investigation);

3. The borrower's income certificate (the bank's reference to the lender's repayment ability);

4. Proof of the borrower's work, education and professional title (the bank's reference to the lender's repayment ability);

5. Proof that the borrower has opened a personal settlement account in the credit union (establishing convenient withdrawal and repayment channels);

6. The borrower's personal credit report (usually, the bank will have a special person to review the applicant's historical credit record).

Two. Information to be provided for personal production and operation loans:

1, business license, business license and other relevant materials for production and operation;

2 * * * A copy of the identity certificate of the same operator;

3. Business tax payment certificate.

Three, personal car loans and student loans according to the "personal loan application materials list" to provide information.

In addition, different regions and banks will have different requirements for loan conditions. The above conditions are for reference only, and the specific requirements are subject to the requirements of the lending bank.