The loan application of Bank of Communications does not only depend on the driver's license. Although the driver's license can be used as loan information, the actual conditions are more stringent. The following are the key requirements for applying for a loan from Bank of Communications:

1. The borrower's repayment ability is the first condition, and it is necessary to provide the income certificate issued by the unit, the list of possible pledged or mortgaged items and the ownership certificate, as well as the written documents with the consent of the property.

2. The written document that the guarantor agrees to provide the guarantee is also a necessary document, and the guarantor's credit certification materials are also needed.

3. The collateral required for the loan needs to be appraised by the appraisal department recognized by the society, and an appraisal report shall be issued.

4. The borrower shall submit the original and photocopy of valid identity documents and proof of marital status.

5. A clear loan use plan or statement is essential to ensure the rational use of funds.

in terms of product conditions, the loan target of Bank of Communications needs to be an age-appropriate, legal identity card holder, with stable income and repayment ability, and with real estate as collateral in the loan area. This setting aims to ensure the security and stability of the loan.

product advantages include convenient loan process, and borrowers can repay flexibly according to their own financial situation, and there is no extra charge for prepayment. At the same time, the loan procedure is simple, only one credit is needed, and there is no need to repeat complicated procedures for subsequent use. There are many channels for issuing loans, including counter, online banking and telephone, and you may also enjoy special loan interest rate concessions.

In short, in order to apply for a loan in Bank of Communications, the borrower needs to prepare relevant supporting documents, have a good credit record and a stable economic source, and provide effective collateral according to the requirements of the bank.