The conditions required for loans from rural credit cooperatives and unsecured credit loans from other banks are basically the same; \x0d\ Materials to be prepared for handling bank loans: \x0d\ 1. Valid identity documents; \x0d\ 2。 Permanent residence or valid residence certificate, permanent residence certificate; \x0d\ 3。 Proof of marital status; \x0d\ 4。 Bank flowing water; \x0d\ 5。 Proof of income or personal assets; \x0d\ 6。 Credit report; \x0d\ 7。 Loan use plan or statement; \x0d\ 8。 Other information required by the bank. \x0d\ Requirements for bank loans: \x0d\ (1) The age of permanent residence or valid identity documents of urban residents with full civil capacity is 18, and the age of lenders required for bank loans is generally between 18-60; \x0d\ (2) Having stable legal income and the ability to repay interest; \x0d\ (3) Other conditions required by the lending bank. \x0d\ The procedures for handling unsecured loans are generally divided into three steps: \x0d\ (1) The customer submits basic information, including the work unit and contact number. \x0d\ (2) The lending bank or company shall check the credit information of customers, including whether the credit rating of customers is illegal. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions. \x0d\ (3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.