Applying for a loan is a complicated matter. The loan information to be submitted, the loan process after submitting the information, and the process of approving loan issuance are all very rigorous and complicated. The necessary information needs to be signed in person, as long as one item fails, it will be rejected.

The ID card is the most basic document that the borrower presents. The ID card has specific information such as personal ID number, photo of personal ID card and detailed address. In the loan application, you need to provide the original and photocopy of your ID card to prove your identity. You can't apply for a loan without your ID card.

There are many materials needed to apply for a loan. Generally speaking, they mainly include:

1. Original and photocopy of the borrower's valid identity certificate.

2. Local permanent residence or valid residence identity certificate.

3 proof of the borrower's ability to repay the loan. For example: the income certificate issued by the borrower's unit, the borrower's tax bill and so on.

4. Pledge right, the list of collateral and ownership certificate required for the borrower to obtain the pledge and mortgage amount, and the written document that the owner and the real estate * * * agree to pledge and mortgage.

5. The guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

6. Collateral appraisal report issued by the appraisal department recognized by the bank, and other documents and materials specified by the bank.