I. Mortgage loan
1. Personal housing loan: identity certificate, marriage certificate and household registration book of the borrower and spouse; Proof of income and running water; Proof of down payment, purchase contract and other materials required by the bank;
2. Personal consumption loan: the identity certificate, marriage certificate and household registration book of the borrower and spouse; Income certificate, real estate license, use contract, etc. ;
3. Personal (enterprise) business loan: the borrower's identity certificate, marriage certificate and household registration book; Income certificate, personal running water, real estate license, sales contract; Business license, account opening permit, organization code certificate, tax registration certificate, articles of association, enterprise running water, etc.
Second, credit loans.
1. Personal unsecured: borrower's identity certificate, marriage certificate and household registration book; Proof of income, personal running water, proof of income; Business statements, etc. (Property certificate, driving license, stock and other assets certificates);
2. The enterprise is unsecured: the borrower's identity certificate; Company business license, tax registration certificate, account opening permit, organization code certificate, articles of association and capital verification report, official seal, company annual running water, personal running water, company business report, tax payment certificate for the last six months, etc. (Property certificate, driving license, stock and other assets certificates).
Third, housing provident fund loans.
1. Commercial housing provident fund loan: the original and photocopy of the resident ID card, household registration book and repayment commitment letter of the borrower and the borrower (* * * with the borrower and guarantor); Proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station); Legal commercial housing purchase contract or agreement; Personal credit certificate provided by the borrower and the borrower's unit; Valid proof that the borrower has paid not less than 30% of the house purchase price; Valid guarantee certificate; The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.
2. Second-hand housing provident fund loan: second-hand housing is handled with the purchased house as mortgage guarantee. On the basis of providing the above information, the following information must be supplemented: a copy of the seller's identity card and household registration book; Original and photocopy of real estate license; An assessment report issued by an assessment institution recognized by the provident fund management center; Tripartite agreement signed between the intermediary agency recognized by the provident fund management center and the buyer and seller; Mortgage registration shall be carried out by the real estate transaction department at or above the district level.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.
Reference link: Baidu Encyclopedia-Bank loan