1. Original and photocopy of the borrower's valid identity certificate (in which the borrower's age must meet the basic conditions of 18-65 years old); Local permanent residence or valid residence identity certificate; Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

2. Pledge, list of collateral and ownership certificate required for the borrower to obtain the amount of pledge and mortgage, as well as written documents of the owner and the real estate agreeing to pledge and mortgage; The Guarantor agrees to provide the written documents of the guarantee and the guarantor's credit certificate required by the borrower to obtain the guarantee amount (not required if it is a credit loan).

3. Collateral evaluation report issued by the socially recognized evaluation department (this material is required for mortgage loans, and others are not required); Other documents and materials stipulated by the bank. Different banks and different loan products require different conditions. It is suggested that users in need can call the bank customer service or credit manager directly.

Extended data:

Specific case:

A citizen of Linyi was sued by Jinqueshan Sub-branch of Lanshan Rural Commercial Bank Co., Ltd. for no reason, claiming that he borrowed 500,000 yuan from our bank in 2004 and failed to repay it after the deadline, demanding that he repay it with interest! This dispute lasted from 2008 to 20 18. After investigation and appraisal by authoritative organizations, it turns out that the identity document of the loan contract of Lanshan Rural Commercial Bank is forged, just to be fair to the public!

On September 6th, 2004, Jinqueshan Credit Cooperative (renamed as Jinqueshan Sub-branch of Lanshan Rural Commercial Bank in June 2006) signed a loan contract with the citizen "Yuan Zhongdong". According to the contract, "Yuan Zhongdong" borrowed 500,000 yuan from Jinqueshan Credit Cooperative to buy steel belts; The loan term is from September 6, 2004 to March 6, 2005, and the monthly interest rate is 8.4 ‰;

If "Yuan Zhongdong" fails to repay the loan principal within the time limit agreed in this contract, Jinqueshan Credit Cooperative has the right to charge overdue interest at 50% of the contract interest rate from the overdue date.

On the same day, Jinqueshan Credit Cooperative signed a guarantee contract with Li, a resident of Hedong District, Yang Ziai, a resident of lanshan district, and a resident of lanshan district. It is agreed that Li and Yang Zi 'ai will provide joint liability guarantee for this debt, and the guarantee period is two years from the expiration of the loan term. After the signing of the loan contract, Jinqueshan Credit Cooperative will transfer 500,000 yuan into the "Yuan Zhongdong" account according to the loan contract.

However, after the loan expires, Yuan Zhongdong, Yang Ziai, and Li Wei fulfill their repayment obligations. To this end, in 2008, Jinqueshan Credit Cooperative filed a civil lawsuit with the lanshan district People's Court, and the court ruled that Yuan Zhongdong repaid the loan of 500,000 yuan, interest and overdue interest; Guarantors Li, Yang Zi 'ai and Yang Zi 'ai are jointly and severally liable for repayment.

Yuan Zhongdong, a citizen, is very helpless. He obviously didn't borrow money from the bank. Where did he get the 500 thousand debt? After many twists and turns, the signature and handprint of "Yuan Zhongdong" on this loan contract were identified, and it was confirmed that it was not signed by Yuan Zhongdong himself.

Therefore, the loan contract between Jinqueshan Credit Cooperative and Yuan Zhongdong was not established, and Yuan Zhongdong should not bear the repayment responsibility of the loan in this case; The signatures of the guarantor are all their own. However, the loan has passed the guarantee period, and residents Yang Ziai, Li do not assume the guarantee responsibility.

On 20 18, the people's court of lanshan district made another judgment and revoked the original civil judgment; The claim of Jinqueshan Sub-branch of Lanshan Rural Commercial Bank Co., Ltd. was rejected. The acceptance fee of the original case is 8800 yuan, and the retrial appraisal fee is 8940 yuan, which shall be borne by Jinqueshan Sub-branch of Lanshan Rural Commercial Bank Co., Ltd.

As a result, Yuan Zhongdong, a citizen, was sued by Jinqueshan Sub-branch of Lanshan Rural Commercial Bank for repaying the loan for no reason, which ended. In response to Yuan Zhongdong's unprovoked prosecution, the reporter interviewed Lanshan Rural Commercial Bank Co., Ltd.

The relevant staff said that this incident first occurred in 2004, and it is not excluded that the staff of Jinqueshan Sub-branch improperly operated, which led to innocent citizens being implicated. They have borne all the losses in this case and sincerely apologize to the public, such as Yuan Zhongdong.

19, the reporter interviewed the supervision department of Shandong Supervision Bureau of China Banking Regulatory Commission, and the staff replied that if it is really the improper operation of the bank in actual operation, resulting in unreasonable lending in the name of citizens, the parties can hand over the whole story and evidence materials to Shandong Supervision Bureau, and Shandong Supervision Bureau will punish the improper behavior of the bank involved in the case according to relevant laws and regulations.

Lawyer Yin Yujie of Shandong Sanhe Law Firm said in an interview that 500,000 is not a small sum. The citizens of Jinqueshan Sub-branch of Lanshan Rural Commercial Bank Co., Ltd. were implicated for no reason because their contract identity documents were fraudulently used. The parties may ask the bank for civil compensation through legal channels. The content of compensation can involve actual expenses such as mental loss and transportation expenses caused by the case.

Baidu Encyclopedia-Shanghai Rural Commercial Bank

The loan information of Baidu Encyclopedia-Lanshan Rural Commercial Bank was false, which caused the citizens to owe 500,000 yuan for no reason.