To borrow 200,000 yuan from a bank, the following conditions are required:

1. If you own a house with a value of more than 300,000 yuan, you can apply for a mortgage loan to 200,000 yuan in the bank. Required information: ID card, marriage certificate, household registration book, income certificate, bank account, property right certificate, land certificate, married information of both parties.

2. enterprise credit loans: What is needed is that the business license of the enterprise has expired for one year. If the income is good, you can handle the required materials: ID card, marriage certificate, household registration book, business license, tax registration form and bank account number.

3. Credit loan. The requirement for a credit loan of up to 200,000 yuan is very high. What is needed is that the lender is a cadre above the civil service level, a top 500 enterprise executive, a doctor and a teacher. What is needed is information: ID card, marriage certificate, household registration book, income certificate and bank account.

Two. Application materials to be provided:

(1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse;

(2) Proof of the borrower's spouse's commitment to repayment;

(3) Production and business operation license, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;

(4) Proof of loan use (such as house purchase contract, etc.). );

(5) the tax payment certificate of production and business activities;

(6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of some people agreeing to mortgage (pledged) the owner and property;

(7) Collateral appraisal report issued by the appraisal department recognized by the bank;

(eight) other information required by the bank.

Extended data:

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.

Second, I want to borrow 200,000 yuan. Is there any good way?

0.2 million/200 thousand is a bit much, which is generally difficult to borrow. You can get a loan from the bank.

3. How to borrow a personal loan of 200,000 yuan?

Hello, there are many ways to apply for a loan. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security. I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. The money is spent-full of easy loans, the maximum loan amount is 200,000 (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.

Is there any good way to get a loan of 200,000 from the bank?

Basic rules:

1. Loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct, and the sum of the borrower's age and the loan term is not more than 60 years old;

2. Loan amount: maximum credit.

3. Loan term: The loan term is generally 1 to 3 years (inclusive);

4. Loan interest rate: subject to the bank loan interest rate;

5. Guarantee method: liability, but guarantees provided solely in the form of third-party guarantees are not accepted;

6. Repayment methods can be monthly interest repayment, arbitrary payment, one-time repayment of principal and interest, etc. The loan term is a way to repay the principal. The specific payer should be agreed in the loan contract.