1. What documents do you need for a bank loan?

Due to different lending institutions, the requirements for loans are also different. Generally speaking, the basic documents include the following contents:

1, personal loan

When individuals apply for loans from banks, they mainly carry information that can prove their personal identity, including ID card, household registration book, marriage certificate and residence permit. In addition, you should also prepare materials to prove your repayment ability: work certificate, income certificate, bank account, assets certificate (social security provident fund, mortgage house, full house, life insurance policy, car, wealth management, large deposit certificate) and so on.

2. Mortgage loan

Compared with pure credit loan, mortgage loan has higher quota and higher pass rate, but the process is complicated and more documents need to be provided. In addition to the basic information needed for personal loans, you also need to prepare real estate license, married marriage certificate, husband and wife household registration book, husband and wife credit report, divorce certificate, divorce agreement, asset certificate, etc.

3. Operating loans

There are many enterprise loan documents, so it is necessary to prepare business license, business process, business place, official seal, articles of association, enterprise credit investigation, proof of fund use, and provide financial statements and tax payment records when necessary.

2. What are the procedures for bank loans?

1, submit information. Whether you go to a bank outlet or online, you need to submit all kinds of documents required by the bank.

2. Waiting for review. Mortgage loans and operating loans may need to evaluate assets. , and then wait for the bank to review.

3. After approval, you can sign a contract and handle mortgage registration.

4. Waiting for a bank loan.

What documents do you need for a loan? Just bring enough of these things.

There are many kinds of loans in life, such as going to school, starting a business, buying a house, buying a car and so on. So, do you know how to get a loan? What documents do I need to carry when I apply for a loan? Do all loans need to be mortgaged? Next, I'll show you the materials needed for the loan. Just bring enough of these things!

Generally, borrowers who apply for loans need to provide valid identity cards, household registration books, proof of marital status and proof of the borrower's income. If they need collateral to make loans, they must provide proof of the rights of collateral. Different loan products need different information. As long as the materials are fully prepared, the loan is actually very easy to handle.

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. If collateral is needed for loan, proof of collateral's rights must be provided, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral;

Not all bank loans need mortgage. At present, some banks in China provide it. In addition, some loan companies and a large number of loan companies in the name of guarantee and consultation can also handle it.

Also known as unsecured loans, or credit loans. You don't need any collateral, just identification, income, address and other materials. The specific materials are different from bank to bank. For loans applied to banks, banks issue loans according to personal credit conditions, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is more secure than the loan company.

A loan is actually borrowing money with interest. The longer the loan time, the higher the interest rate, because the longer the time, the greater the risk of the bank. Therefore, most people generally only choose loans when they can't open a house or need to buy a car.

What documents do you need for a loan?

First, the loan to buy a house requires documents:

Self-employed persons shall provide their business licenses (check the original and keep a copy) for their valid identity certificates (ID card, residence booklet or other valid residence certificates).

Second, the loan to buy a house requires materials:

1. Submit individual housing loan application;

2. Submit a copy of your ID card;

3, approved by the handling bank, issued by the relevant departments of the borrower's stable income certificate or other proof of solvency;

4, the legal purchase of housing contracts, agreements and related approval documents;

5. It is necessary to provide a list of collateral or pledge rights and ownership certificates, and a collateral evaluation report issued by an evaluation agency recognized by the loan bank;

6. A written commitment issued by the guarantor agreeing to provide a guarantee and a credit certificate of the guarantor are required;

7. Relevant bank deposit certificates, voucher-type treasury bonds and other securities that the borrower intends to pledge to the lending bank;

8. Need to apply for house sales (pre-sale) license or real estate certificate;

9. If a spouse and his/her * * * apply for a loan, they should clearly fill in the relevant information of the spouse on the loan application form, and show their marriage certificate and household registration book;

10. Other documents and materials specified by the lending bank.

Extended data:

Conditions for purchasing a house with provident fund loan:

First, the conditions for applying for provident fund loans to buy a house

According to the Regulations on the Administration of Housing Provident Fund, the conditions for citizens to apply for provident fund loans are as follows:

1. The house purchased by the applicant must be self-occupied, have a permanent residence in this city (such as Guangzhou) or a valid identity document, and have paid the housing provident fund normally for six consecutive months before applying for a loan.

2. The applicant has a stable economic income and no bad credit record. The first suite must pay down 30% of the house price, and the house below 90 square meters can pay down 20%, and he has the ability to repay the loan according to the regulations. He must also have proof of housing registration information issued by the housing security bureau of the place where the provident fund is paid and the place where the house is purchased.

3. The guarantor recognized by the customer provides phased guarantee before the house mortgage takes effect, and the purchased house is used as mortgage. Of course, the buyers who apply for housing provident fund loans are temporarily limited to parents and adult immediate children.

Second, you need to pay off the first home loan before you can apply for a provident fund loan.

Unlike applying for a commercial loan to buy a second home loan, applying for a provident fund loan to buy a second home must meet certain conditions, otherwise it will not be accepted.

Citizens applying for provident fund loans to buy a house, if it is a second suite, must pay off the provident fund loan for the first suite, and the down payment ratio for the loan to buy a second suite shall not be less than 60%. In addition, according to the regulatory policy, the loan interest rate will also rise by 10%.