I. The Borrower requires:

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

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

3. The borrower's actual age and loan application period shall not exceed 70 years old.

Information to be provided by the borrower

1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or court 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 the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

II. Materials to be prepared for handling bank loans:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

8. Other information required by the bank.

Extended data:

In the General Rules for Loans promulgated by the People's Bank of China in June 1996, the classification of loans is as follows:

1. Self-operated loans, entrusted loans and special loans

Self-operated loan refers to a loan independently issued by the lender with funds raised in a legal way. The risk is borne by the lender, and the principal and interest are recovered by the lender. Entrusted loan refers to the loan provided by the government departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal.

2. Short-term loans, medium-term loans and long-term loans

Short-term loans refer to loans with a loan term of less than one year (including one year). Medium-term loans refer to loans with a loan term of more than one year (excluding one year) to less than five years (including five years). Long-term loans refer to loans with a loan term of more than five years (excluding five years).

3. Credit loans, secured loans and discounted bills

Credit loan refers to the loan issued by the borrower's credit. Secured loans refer to secured loans, mortgage loans and pledged loans. Secured loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), which promises the borrower to assume general guarantee liability or joint liability as agreed.

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