Bank loan refers to an economic behavior that an individual or enterprise borrows money from a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

Requirements of the Borrower:

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The actual age of the borrower plus the loan application period should not exceed 70 years old.

Information to be provided by the borrower:

1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

According to the Interim Measures for the Administration of Personal Loans:

Article 23

The lender shall sign a written loan contract with the borrower, and if a guarantee is needed, a guarantee contract shall be signed at the same time. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

Article 24

The loan contract shall comply with the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the parties' commitment to good faith, the purpose of the loan funds, the payment object (scope), the payment amount, payment conditions and payment methods.

The loan contract shall set up relevant clauses to clarify the liabilities of the borrower for breach of contract when he fails to perform the contract or slowly performs the contract.

Article 25

Lenders should establish and improve the contract management system to effectively prevent legal risks of personal loans.

If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.

Article 26

The Lender shall standardize the guarantee process and operation in accordance with the relevant provisions of People's Republic of China (PRC) Property Law, People's Republic of China (PRC) Guarantee Law and other laws and regulations.

The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral.

Personal loans provided by way of guarantee shall be completed by at least two loan officers.

Article 27

Lenders should strengthen the management of loan issuance, follow the principle of separation of examination and loan, and set up an independent loan management department or post to implement the loan conditions and issue personal loans that meet the agreed conditions.