I. Requirements for a bank loan of 654.38 million yuan:

1, borrower and family situation. Generally, the borrower should open an account with the loan bank. Provide the borrower's work unit, position and income. Explain that your spouse or family has a high income, which can make the bank think that you have strong repayment ability.

2. Loan application. The loan amount applied for must be commensurate with the borrower's family income. In the case of equal monthly repayment, we should pay attention to the matching of loan term and loan amount, so that the ratio of monthly repayment amount to the monthly income of the borrower or his family is reasonable.

3. Third-party guarantee (i.e. guarantor). If a natural person guarantees, provide the guarantor's certificate, account, monthly income, family loan and guarantee, and the relationship with the borrower. Where a legal person guarantees, a copy of the legal person's business license, business scope, financial status, contact address and relationship with the borrower shall be provided.

4. Collateral or pledge. For collateral, it is necessary to provide proof of ownership of the collateral and the assessed value of the collateral; If the collateral is owned by others, the proof of the owner's authorization to mortgage shall be provided. For collateral, it must be under the control of the lending bank. For example, the deposit certificate pledge, the deposit certificate provided must be issued by the lending bank. Banks generally don't accept certificates of deposit from other banks as collateral.

Two. Information required for bank loans

1, valid personal ID card;

2. Local permanent residence or valid residence identity certificate;

3 proof of the borrower's ability to repay the loan.

① proof of income;

(2) the borrower's tax bill;

3 insurance policy;

4. Pledge, list of collateral and ownership certificate required for the borrower to obtain the amount of pledge and mortgage, as well as written documents of the owner and the real estate agreeing to pledge and mortgage;

5. A written document that the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount;

6, the guarantor's credit certification materials;

7. Collateral appraisal report issued by the appraisal department recognized by the society.

Extended data:

Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation. The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.