1. When handling the loan, the bank will verify the authenticity of the lender's loan information, including marriage certificate, income certificate and unprovable information. It is illegal to apply for a loan by using false information.

Two. Conditions and materials for applying for bank loans:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

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

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.