I. Application materials required for applying for personal loans
There are many local banks and financial institutions, and the application standards of each bank are different. Generally, the following conditions are required:
1, a China citizen with civil capacity who has a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place;
2. Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule;
3. There is no bad credit record, and the loan cannot be used for stock trading;
4. Provide personal identification and proof of repayment ability.
To apply for a mortgage loan, you need to provide relevant asset certificates and handle mortgage fees. Please consult the bank credit manager for details.
Two, Suizhou personal loan application materials
1. ID card
2. Household registration book
3. Marriage certificate or unmarried certificate (some banks have a template of unmarried certificate, just sign it)
4. Bank flow, printing for six months to one year, according to the requirements of the bank.
5. Personal credit information can be printed by the People's Bank of China with ID card or on the online platform.
6. Relevant information on business and loan purposes, such as purchase and sale contracts, purchase vouchers, renovation contract, etc.
7. Proof of assets, such as copies of real estate license and automobile driving license. , only as proof of personal assets and calculation of asset-liability ratio.
8. If it is a mortgage loan, a pledge certificate is required.