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 discounted bills, credit accounts and overdraft accounts.