It must be applied in person. Application materials generally required for loan applications:

1. Identification information.

2． Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.

3. Proof of local residence: Fixed phone bill payment list for any three months in the past year, or utility bill payment documents such as water and electricity bill payment list, or other information that can prove your residential address.

4. Guarantee certification materials: Proof of ownership of the mortgaged property. If there is an authorized person, it is also necessary to provide a statement of consent of the authorized person to the mortgage or require the authorized person to sign in the mortgage contract. If other auxiliary guarantee methods are provided, corresponding supporting documents must also be provided.

5. Information proving the purpose: If the purpose of the loan is to purchase a car/parking space: Documents that can prove the authenticity of the purpose of purchasing a house must be submitted, such as a car/parking space purchase contract, a letter of intent to subscribe, a deposit receipt, a down payment receipt, etc.

6. Documents proving repayment ability: Our bank’s salary agency customers can directly provide their salary payment account statements; social security account statements or personal tax forms, etc.

Extended information:

Applying for a personal loan requires meeting the following conditions:

1. Have a fixed residence, permanent residence or valid residence certificate in the location of the lending bank , Chinese citizens who are under 65 years old (inclusive) and have full capacity for civil conduct;

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

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Be able to provide a legal, effective and reliable guarantee recognized by the bank;

5. Have A clear purpose of the loan, and the purpose of the loan complies with relevant regulations;

6. Other conditions stipulated by the bank.

Loan Notes

1. The information provided to the bank must be true, the address and contact information provided must be accurate, and the bank must be notified in time when changes are made;

2 . The purpose of the loan must be legal and compliant, and the transaction background must be true;

3. Choose a repayment method that suits you based on your repayment ability and future income expectations;

4. When applying for a loan amount, you must act within your ability. Usually the monthly repayment amount should not exceed 50% of the total household income;

5. Read the terms of the contract carefully to understand your rights and obligations;

6. Repay the loan on time to avoid a bad credit record;

7. Do not lose the loan contract and IOU. For mortgage loans, do not forget to cancel the mortgage registration after paying off the loan;

8 , Early repayment must be handled with the bank one month in advance.

9. When applying for commercial loans for foreigners, banks generally require borrowers to have a stable income in the local area and to go to the place of residence to issue a household registration certificate (some banks also require an office certificate); while house purchase guarantees The company's requirement for foreigners is that they must have local income and apply for a temporary residence permit.

Baidu Encyclopedia-Loans