What documents and procedures are required for a loan?

Required application documents and procedures:

The original and copy of the borrower’s valid identity document.

Proof of local permanent residence or valid residence status.

Proof of the borrower’s loan repayment ability. Such as the income certificate issued by the borrower's employer.

The borrower’s real estate certificate and driving license (not necessary, the loan limit can be increased).

The borrower’s credit report (which can prove personal creditworthiness).

Salary card flow (last 6 months).

Loan repayment record in the past three months (if there is a loan).

Water, electricity, gas and other expenses in the past three months, which can prove your residential address.

Generally, applying for a personal loan requires meeting the following conditions:

Have a fixed residence in the location of the lending bank, have a permanent residence or valid residence certificate, and be 65 years old (inclusive) The following are Chinese citizens with full capacity for civil conduct.

Have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on time.

Have a good credit record and willingness to repay, and no bad credit record.

Can provide legal, effective and reliable guarantees recognized by banks.

There is a clear purpose for the loan, and the purpose of the loan complies with relevant regulations.

Other conditions specified by the bank.

Generally, for loan types such as personal comprehensive consumption loans and personal credit loans, the conditions for applying for a loan are largely based on the individual's credit accumulation in the bank. At this time, applying for a loan Try to submit some materials that can increase your credibility, such as academic certificates, income certificates, etc. The higher the accumulated credit, the larger the loan amount.

What procedures are required for a bank loan?

Hello, what are the requirements for a bank loan and what materials are required for a bank loan:

Credit loan

1. Personal unsecured loan:

(1) Borrower’s identity certificate, marriage certificate and household registration book;

(2) Income certificate, personal statement and income certificate;

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(3) Statement on public utilities, etc. (Real estate certificate, driving license, stocks and other asset certificates);

2. Unsecured corporate loans:

(1) Identity of the borrower;

( 2) Company business license, tax registration certificate, account opening license, organization code certificate, company articles of association and capital verification report, official seal, annual business flow, personal flow, utility statements, tax receipts for the past six months, etc. (Real estate certificate, driving license, stocks and other asset certificates).

There are many reliable loan platforms to choose from. Which one is the most reliable and direct for payment? Compared with other loan methods, online loan platforms are convenient to apply for loans and provide loans quickly. However, when applying for online loans, it is best to choose a formal platform to protect personal interests and information security. Also be careful not to pay pre-loan fees to avoid being cheated.

It is recommended that you use Youfuhua, a credit service brand under Duman Financial (formerly known as Baidu Youfuhua, and was renamed Youfuhua in June 2018). Big brands are reliable and have low interest rates. It’s easy to get a full loan with a loan limit of up to 200,000 (click on the official free test limit) and a daily interest rate as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible repayment, transparent interest and fees, and strong security.

Let me share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special note: If you have money, refuse to provide installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and my debit card. Note: The app only supports debit cards, and the app card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used.

What procedures are required for a loan?

Mortgage loan material list: (1) The buyer provides materials and original ID cards (the borrower and his spouse must provide the original temporary residence permit if they have registered permanent residence in other places). , The original copy of the household registration booklet. Original marriage certificate. Both spouses need to provide it. If single, they need to sign a single declaration. If divorced, they need to provide the original divorce certificate or judgment. , Proof of income, provided by the borrower himself.

(Fixed format, the amount must be more than twice the monthly payment, the working experience must be more than one year, filled in with a black signature pen, cannot be altered, and the contact number must be a landline). . A copy of the business license of the unit with the official seal. Large enterprises, institutions, and administrative agencies do not need to provide it, but they must provide work permits, work badges, badges, employment certificates, or labor contracts. Business licenses are subject to normal annual inspections. . Bank salary statement: the account statement corresponding to the salary card or the statement of your savings account (more than half a year). , Original academic certificates, college degree or above are required. , Other asset certificates: certificates of deposit, motor vehicle purchase certificates, securities, stocks, other real estate, etc. . Legal persons need to provide: company articles of association, financial statements, tax payment certificate, personal income certificate, personal salary statement, copy of business license. Note: 1-5 are the information that must be provided. It is best to provide 6.7 if available, which will be helpful for loan approval. (2) The seller shall provide materials and original ID cards. 2. Original household registration booklet. 3. Original marriage certificate. Both spouses need to provide the above materials. If you are single, you need to sign a single certificate. If you are divorced, you need to provide the original divorce certificate or judgment. , Original property certificate. (Purchased public housing must provide the original purchase contract, and centrally-owned housing must provide the listing approval form) and the original land certificate. (Required for houses in the city bureau) Note: The names on the various documents of the buyer and seller must be written the same. Second-hand house transaction process: signing, the buyer and seller sign the Beijing existing house sales contract (self-transaction version) designated by the Construction Committee and the Industry and Commerce Bureau, signing the loan contract, the buyer and seller go to the business outlet to sign the loan contract, and both the buyer and the seller need to be present at the same time. , and bring all the above materials, the buyer also needs to prepare the down payment. (1 and 2 can be signed at the same time on the same day. If the materials are temporarily incomplete, the down payment cannot be handed over on the same day, or one of the spouses of the buyer and seller cannot be present at the same time, they can be completed as soon as possible after the contract signing date.), Appraisal, and arrange for an appraisal company to come to the site for appraisal. , the owner only needs to cooperate. , online signing, the signing center will appoint a dedicated person to accompany both parties to the Construction Committee online signing window to sign online, and the online signing price must meet the customer's loan requirements. , review, based on the materials provided by the buyer and seller, combined with the evaluation report and the online signed contract. , Approval of loans, after review, decide whether to approve the loan, as well as the amount of the loan, and issue a loan commitment letter. , transfer, before the signing center arranges for the buyer and seller to register and transfer the property rights, the buyer and seller are required to submit large property fees in advance; on the day of transfer, they need to go to the local tax bureau to pay various taxes and fees according to the transaction amount of the online signed contract. On the same day, the buyer can receive the certificate collection notice issued by the Construction Committee, the deed tax note issued by the Local Taxation Bureau (the bank will accompany the transfer personnel to collect it for loan release), and (Haidian will receive the property rights certificate on the same day). , Loan, promising to release the loan to the seller within 3 working days after the transfer is completed. , Property delivery, the two parties hand over the house after the transfer is completed, usually on the day of transfer. In special circumstances, both parties can negotiate. 0. Receive the house ownership certificate. Generally, you can get the house ownership certificate 10 working days after the transfer is completed, which varies by district. 1. Mortgage registration. After the transfer, the buyer needs to cooperate with the bank to complete the mortgage registration procedures. After completing the mortgage registration, the original copy of the property book will be handed over to the buyer.

What procedures and documents are required for a loan?

The following documents are required:

1. Lender’s ID card;

2. Lender’s recent Credit information for half a year, and the credit information is good;

3. Bank card transactions in the name of the lender for the past half year, without interruption;

4. Proof of residence certificate of the lender (rental contract , real estate certificate, water, electricity and gas invoices in the past three months);

5. Income certificate issued by the lender’s workplace;

6. Social security, insurance policy, provident fund monthly Loans are also available.

Legal basis:

Article 11 of the "Interim Measures for the Administration of Personal Loans" Personal loan applications should meet the following conditions:

(1) The borrower must have complete Citizens of the People's Republic of China with capacity for civil conduct or overseas natural persons who comply with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The amount of the loan application, The term and currency are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower’s credit status is good and there is no major bad credit record;< /p>

(6) Other conditions required by the lender.

Article 12 of the "Interim Measures for the Administration of Personal Loans" requires the borrower to submit a personal loan application in writing and require the borrower to provide relevant information that can prove that it meets the loan conditions.

Article 13 of the "Interim Measures for the Administration of Personal Loans": After accepting the borrower's loan application, the lender shall perform due diligence responsibilities and verify the authenticity, accuracy and completeness of the personal loan application content and related circumstances. Conduct investigation and verification and form investigation and evaluation opinions.