The loan terms of each bank are different. If you borrow 200,000 yuan from the bank, you basically need the following conditions:

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, etc.

2. enterprise credit loans: What you need is a business license for more than one year. If your income is good, you can apply for a credit loan with the required information: ID card, marriage certificate, household registration book, business license, tax registration form and bank account. 3. The requirement of credit loan is very high. What is needed is that the lenders are cadres above the civil service level, and the top 500 enterprises are executives, doctors, and so on.

Second, how to borrow 200,000 yuan for personal loans

If you want to borrow up to 200,000 yuan, you can apply for a credit loan or a mortgage loan. Generally speaking, if you want to borrow a credit loan of 200,000 yuan, the personal qualification requirements of the applicant will be very high. Usually, the maximum amount of credit loan can reach 10 times the applicant's monthly income, so the higher the applicant's income, the higher the amount you can get.

If the income does not reach the standard of 200,000 yuan, you can apply for a mortgage loan. Common collateral is: real estate, automobile production, etc. The maximum amount of a general mortgage loan is about 70% of the assessed value of the collateral.

3. How can I get a loan of 200,000?

If you have real estate, you can do real estate mortgage, because the general loan is less than 20W, and you can go to the bank online if necessary.

4. How can an individual borrow 200,000 yuan?

Borrow 200,000 yuan from the bank, and the requirements are as follows:

1. If you have a house with a value of more than 300,000, you can apply for a mortgage loan of up to 200,000 in the bank. Information you need: ID card, marriage certificate, household registration book, income certificate, bank account, real estate license, land certificate, and married information of both parties.

2. enterprise credit loans: You need a business license for one year, and your income is good. You need information: ID card, marriage certificate, household registration book, business license, tax registration form and bank account number.

3. Credit loans, credit loans to 200,000 are very demanding. Borrowers are cadres above the civil service level, executives of top 500 enterprises, doctors and teachers. Required information: ID card, marriage certificate, household registration book, income certificate and bank account.

Mortgage loan/securities loan

Taking real estate as a mortgage loan means taking real estate (real estate) as a mortgage and applying for a loan for a lender with a business enterprise (industrial and commercial license).

The loan procedure requires:

Identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), industrial and commercial license, tax registration certificate, income certificate, bank capital flow and house evaluation report of the lender and his wife.