1. The borrower and the borrower's valid identity documents, such as ID card, household registration book, marriage certificate, etc. ;

2. Work certificate or income certificate stamped with the official seal of the company;

3. Proof of economic strength/financial resources, such as real estate license, driving license, financial management certificate, bank running, five insurances and one gold deposit certificate;

4. Personal credit report, and no bad credit record.

Two, to apply for personal bank loans must meet the following conditions:

1, 1. Have reached the age of 25 and have full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

2. The second is to have a fixed occupation or a stable economic income, which can guarantee the ability to repay the principal and interest on schedule.

3. Third, the credit record is good and there is no bad credit record.

4. Fourth, it can provide legal and effective guarantees recognized by banks.

5. Fifth, other conditions stipulated by the bank.

Three. Information that an individual needs to provide when applying for a bank loan:

1, loan application; Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife * * * Letter of opinion from someone agreeing to the loan;

2, the husband and wife's occupation, income certificate, family property status and other information (work certificate, bank account, property certificate, vehicle driving license, etc.). );

3. Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months); Loan contract.

4. Personal guarantee requires the following information: the ID card, household registration book, original and photocopy of marriage certificate of both husband and wife;

1, husband and wife's occupation, income certificate and family property status information (work certificate, bank account, property right certificate, vehicle driving license, etc.). );

2. Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months);

3. Personal bank credit inquiry system; Notarization.

Five, enterprise guarantee, need to provide the following information:

1. Original and photocopy of business license, original and photocopy of tax registration certificate (national tax and local tax), organization code certificate, articles of association, ID card of legal representative of the enterprise, loan card (annual inspection) and credit certificate;

2. Shareholders' consent;

3. Financial statements: financial statements at the end of last year and the last three months (with audit reports). Including balance sheet, income statement, cash flow statement and bank statement (with bank seal);

4, special industries need to provide environmental assessment data (EIA report, sewage permit). Its real estate mortgage needs to be issued: husband and wife's ID card, household registration book and marriage certificate;

5. The property owner agrees to mortgage;

6. Real estate needs to be registered.

According to Article 669 of General Principles of Civil Law (20211), when concluding a loan contract, the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.