Identity card, household registration book, marriage certificate and other valid identity documents of the borrower and the borrower.

1. There are many types of loan business, and different loan products need to provide different materials. In addition, the borrower should provide relevant materials according to the demand of the actual loan products to ensure the success rate of the loan.

2. To apply for a loan, you need to affix the official seal of the company's work certificate or income certificate, proof of economic strength and proof of financial resources, such as real estate license, driving license, financial management certificate, bank account, five insurance and one gold deposit certificate, personal credit report and no bad credit record.

3. Different regions and banks will have different requirements for loan conditions. The above conditions are for reference only, and the specific requirements are subject to the requirements of the lending bank.

The types of loans are characterized by efficiency, safety and liquidity, and refer to the specific organizational forms of loans. Loan type is a specific classification of loans according to certain standards.

Scientifically classifying and setting loan types is of great significance for implementing loan policies, correctly using credit funds, studying loan structure, strengthening loan management and reflecting national economic activities.

The classification standards of loan types are diversified, and there are different classification methods according to different standards. The selection of loan classification criteria should be based on the requirements of national economic management and bank credit management.

Classifying loan types from a macro perspective is helpful to analyze the proportional relationship between loans in different economic sectors, facilitate the specific implementation of national economic policies, especially industrial policies, rationally allocate social funds, and guide and promote the coordinated development of industrial structure. Classifying loan types from a microscopic perspective is helpful to strengthen enterprise management, enhance the ability to repay principal and interest, improve loan efficiency, and embody the three principles of loan effectiveness, safety and liquidity. At present, the classification standards and types of loans are as follows:

According to the operating attribute of the loan

1. Self-operated loan. Refers to the loan independently issued by the lender with funds raised by legal means, with the risks borne by the lender and the principal and interest recovered by the lender.

2. Entrusted loans. Refers to loans provided by government departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal. The lender (trustee) only charges the handling fee and does not bear the loan risk.

3. Specific loans. Refers to the loans granted by a wholly state-owned commercial bank with the approval of the State Council and after taking corresponding remedial measures for the losses that may be caused by the loans.

Divided by the loan term

1. Short-term loan. Refers to the loan with a loan term of 1 year (inclusive). There are mainly short-term loans for 6 months and 1 year. This kind of loan, also known as working capital loan, occupies a large proportion in the whole loan business and is one of the most important businesses of financial institutions.

2. Medium and long-term loans. Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years). Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years). RMB medium and long-term loans include fixed assets loans and special loans.

According to the economic nature of the loan subject

1. Loans from state-owned and state-holding enterprises.

2. Collective enterprise loans.

3. Private enterprise loans.

4. Individual industrial and commercial loans.

According to the credit degree of the loan

1. Credit loan. Refers to the loan issued by the borrower's credit.

2. Guaranteed loan. Refers to secured loans, mortgage loans,.

Guaranteed loan refers to a loan issued by a third party, which promises that when the borrower fails to repay the loan, the borrower shall bear the general guarantee liability or joint liability as agreed.

Mortgage loan refers to a loan that is mortgaged by the property of the borrower or a third party and issued in accordance with the prescribed mortgage method.

, refers to the loan issued with the movable property or rights of the borrower or a third party as the pledge according to the agreed pledge method.

3. Bill discount. Refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper.

According to the professional form of loan in social reproduction

1. working capital loan. It can be divided into industrial liquidity loans, commercial liquidity loans and other liquidity loans.

2. Fixed capital loans. Fixed capital loans for large and medium-sized projects are handled by China Development Bank and China Construction Bank. The funds for small and medium-sized projects are not only raised by enterprises and society, but also an important loan business for wholly state-owned commercial banks and other commercial banks.

According to the use quality of the loan

1. Normal loan. Refers to the loan that is expected to have normal turnover within the loan term and can be repaid in full and on time.

2. non-performing loans. Non-performing loans include non-performing loans, sluggish loans and overdue loans.

Non-performing loans refer to loans classified as non-performing loans according to the relevant provisions of the Ministry of Finance.

Dull loans refer to loans that are overdue (including due after extension) and have not been returned within the prescribed time limit according to the relevant provisions of the Ministry of Finance, or loans that have not been overdue or overdue but whose production and operation have been terminated and projects have been suspended (excluding bad loans).

Overdue loans refer to loans that are not due (including those due after extension) as agreed in the loan contract (excluding sluggish loans and bad loans).

Classification of loan quality (degree of risk) according to international practice

Under the technical assistance project of the World Bank, the Bank of China has explored and piloted the asset classification method of commercial banks. Since 1998, the loan quality of commercial banks will be classified and rated according to the international financial industry standards, that is, bank loans will be divided into five grades: normal, concerned, secondary, suspicious and loss, and the latter three types of loans will be called "non-performing loans" or "problem loans".

What information do you need to apply for a loan

Judging from the current housing prices, it is difficult for us to buy a house in full, especially for most young people who have just entered the society and have little money at work. Loans have become the first choice for people to buy a house. So, what information do you need to apply for a loan? What are the procedures for handling loans? Let's take a look with Bian Xiao.

1. What information do I need to apply for a loan?

1. Identity cards of the applicant and spouse, and the original and photocopy of the household registration book in three copies. If the applicant and spouse are not in the same household registration, a separate marriage certificate is required.

2. The original house purchase agreement, the original and a copy of the receipt for prepayment of 30% or more of the house price.

3. The applicant's family income certificate, as well as related assets, including salary table and personal income tax table, as well as income certificate and bank deposit certificate issued by the unit.

4. The developer's collection account number.

Second, the process of handling mortgage loans.

1, the first thing is to sign a house sales contract, but this is an intentional contract. Don't transfer the ownership yet, pay the down payment first. As for the down payment, it depends on the conditions discussed with the landlord.

2. Submit a loan application to the bank. If the materials are incomplete or additional materials need to be provided after the bank accepts the application, the examination and approval will take at least two weeks.

After the bank is approved, you can handle the transfer and pay the down payment. Then sign a loan contract with KINOMOTO SAKURA and pay the fee. When signing a contract, you should read the terms carefully to avoid loopholes.

4. The bank will lend money only after the mortgage and insurance procedures are completed. After lending money, you need to ask the bank for a loan contract and an iou. If it is a second-hand house, there are insurance policies and evaluation books.

Editor's summary: What information do you need to apply for a loan? What are the procedures for handling loans? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

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%.