Usually, it is divided into mortgage loans, secured loans and credit loans.

The easiest loans are mortgages, including ordinary mortgages and car loans.

For the other two items, because there is no physical guarantee, the bank will generally not approve them, and unless there are people or relationships who know the bank, they can only lend.

As for the terms of the loan, in fact, when you go to the bank, they will give you a "clear list", which includes all the supporting materials you want to provide. If the information is ready and the bank approves, the loan will be given to you.

I repaid my mortgage the year before last, and the basic situation is as follows:

1, proof of salary (salary slip or salary card)

2. Marriage and birth certificate (whether married or not)

Have a savings card of this bank (for direct repayment in the future).

4. House purchase agreement

5. Copy of ID card

6. Projects required by other banks ...

In fact, you don't have to worry too much, just give them what they want:)

I hope I can help you.