P2P online lending through the Internet. But getting a loan from a bank is not as safe and reliable. It is recommended that individuals apply at the bank. P2P interest rates will be relatively high and bank interest rates will be low. The specific bank loan process and preparation information are as follows

Personal loans include: personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, and personal credit loans , personal deposit certificates (treasury bonds) pledge loans, etc. These loans mainly apply for loans in two ways: credit loans and mortgage loans. The loan amount is determined by the bank based on the borrower's credit status and the guarantee provided. Required conditions for bank loans:

(1) Those who are over 18 years old, have full capacity for civil conduct, are under 65 years old (inclusive), have permanent residence in urban areas or have a legal and valid residence ID card for the next year;

(2) Pay the first installment of the house purchase;

(3) Have stable legal income and the ability to repay interest;

(4) When applying for a loan , home buyers have free funds of no less than 30% of the purchase price.

(5) The borrower agrees to use the purchased house and its equity as collateral;

(6) The property rights of the purchased second-hand house are clear and the property can be entered in compliance with local government regulations. Conditions for market circulation;

(7) The purchased house is not within the scope of the demolition announcement.

(8) Other conditions required by the lending bank.

Loan amount: The loan amount is determined by the bank based on the borrower's credit status and the guarantee provided. If a personal residence is used as a mortgage, the maximum loan amount shall not exceed 70% of the value of the mortgaged property; if a personal commercial house is used as a mortgage, the maximum loan amount shall not exceed 60% of the value of the mortgaged property. Information that should be submitted when applying for a loan. The borrower applies to the bank, fills in the application form in writing, and submits the following information:

1. Valid identity document;

2. Permanent residence certificate or Valid proof of residence and proof of fixed residence;

3. Proof of marital status;

4. Proof of income or personal asset status;

5. Adoption of a house For mortgage loans, it is necessary to provide the property ownership certificate of the mortgaged house, the identity document of the owner of the mortgaged house property (including the legal owner), proof of marital status, and written proof of consent to the mortgage; and the value of the mortgaged property shall be evaluated in accordance with regulations. , provide an evaluation report; if the mortgaged house is exempt from evaluation, relevant certification materials that meet the conditions for exemption from evaluation should be provided, including the transaction contract or the last evaluation report, etc.;