To apply for a bank loan, you need to prepare materials:

Valid identity documents;

Permanent residence or valid residence certificate and fixed residence certificate;

Proof of marital status;

Bank flowing water;

Proof of income or personal assets;

Credit report;

Loan use plan or statement;

Other information required by the bank.

Requirements for bank loans:

At least 18 years old, with full capacity for civil conduct, with permanent residence of urban residents or legal and valid identification, and the lender is required to be between 18-60 years old for bank loans;

Have a stable legal income and the ability to repay interest;

Other conditions required by the lending bank.

The procedure for handling unsecured loans is usually divided into three steps:

Basic information submitted by the customer, including work unit and contact telephone number;

The loan bank or company checks the credit information of customers, including whether the credit rating of customers has illegal records, and for self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions;

The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.