Generally speaking, the personal credit loan amount can reach five to ten times the monthly salary, and more loans can be obtained for civil servants, institutions or teachers. Due to different applicants and different loan types, the materials required by banks are not the same. Common personal materials include identity certificate, work certificate and residence certificate; Enterprise application materials include business license, financial statements and loan cards; Financial proof of real estate, automobiles and other collateral; Credit loans, such as income certificates and bank statements, need to be submitted to banks on the premise of ensuring authenticity and accuracy, so as to speed up loan application, reduce the time for obtaining loans and increase the number and amount of loans. Therefore, we should try our best to keep a good credit record and have a stable job in our daily life, so that we can borrow money from the bank quickly when the funds are tight.
Extended data:
What are the conditions for an individual to borrow money from a bank?
The applicant must be a natural person with full capacity for civil conduct;
Having permanent residence in cities and towns or valid residence status requires the borrower to have legal status;
Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; Wait a minute.
What information should I submit to apply for a loan?
Application for individual housing loan, and contracts, agreements and relevant approval documents for legal purchase (overhaul) of housing.
Photocopy of identity documents (resident identity card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents).
The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank.
List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by the evaluation institution recognized by the loan bank.