If it is not overdue at present, you can apply for a loan. General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times.

Materials to be prepared for the loan:

Identity cards of both husband and wife of the borrower;

The borrower's household registration book/foreigner needs temporary residence permit and household registration book;

Marriage certificate/divorce certificate or court judgment/single certificate;

Proof of income;

Academic certificate;

Bank flowing water;

Other attributes;

Copy of the business license of the unit (with official seal);

Large deposit certificates, etc. ;

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;

Other information required by the bank.

The process of handling bank loans:

The borrower applies for a loan;

Prepare loan related materials;

Account manager loan survey;

Bank approval;

Both parties sign a loan contract;

The execution of mortgage, pledge, unsecured contract or other guarantee contract;

Bank loans;

Post-loan management;

Repay the principal and interest when the loan is due.