First, your identity information (ID card, household registration book, proof of marital status) is used by the bank to determine your identity and family information;
Second, your ability information (education certificate, work permit, professional title certificate, copy of business license of work unit with official seal, running water and income certificate) is used by the bank to determine whether you have repayment ability, and the income certificate needs to be more than twice the monthly repayment amount;
The third is asset information (large deposits, automobile production, real estate, stocks, funds, wealth management, etc.). ). This part of the bank is used to understand your asset capacity, which can speed up the loan issuance time.