A loan requires an ID card, which is one of the materials needed for a loan, and other valid documents are also needed.

Conditions to be met when applying for a loan:

1. China citizens with permanent residence in China and full capacity for civil conduct, aged 18 and under 65;

2. Have a good legal occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. There is no bad record on the national credit record;

5. Other conditions stipulated by the bank.

Information to be provided when applying for a loan:

1. My valid ID and household registration book;

2. Proof of residential address (household registration book, etc. );

Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information required by the lending bank.

The process of applying for a loan:

1. The borrower applies and submits relevant materials;

2. Conduct real estate appraisal and pre-loan investigation and approval;

3. Pass the examination and approval and go through the mortgage registration formalities;

4. When granting loans, the borrower shall repay the principal and interest of the loans on a regular basis as agreed in the contract;

5. Settle the loan principal and interest and recover the mortgaged house.