I applied for a loan from Ping An Easy Loan, and I applied for 50,000 yuan. As a result, I only approved 10 thousand yuan. The agreement and contract have not been signed yet, so I don't want them. Does this affect my personal credit? It doesn't matter if the loan agreement contract is not signed, and it will not affect personal credit; It is recommended to prepare materials from another bank, such as the Postal Savings Bank, and apply for a triple-package loan or mortgage loan. The required materials are as follows:

1, sanbao loan

The three operating economic entities are linked by their respective industrial and commercial certificates, guarantee each other and lend money to banks;

Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses;

2. Mortgage 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 procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report.