At present, personal loans of commercial banks in China are mainly divided into two categories. The first category is personal consumption loans. In most areas, commercial banks limit loans to the borrower's occupation, income and local consumption level. Take Jiangsu as an example, the average upper limit is between 200,000 and 800,000 yuan. The second category is personal venture loans (working capital loans). The borrower must have a business license and other legal documents. The loan ceiling depends on the borrower's operating level. The average upper limit is between1-200,000 yuan. The Law of Commercial Banks requires commercial banks to provide loans by means of guarantee, including third-party guarantee, mortgage and pledge. For details, please consult the local commercial bank. Hello, at present, personal loans of commercial banks in China are mainly divided into two categories. The first category is personal consumption loans. Commercial banks in most areas link loans with the borrower's occupation, income and local consumption level. Take Jiangsu as an example, the average upper limit is between 200,000 and 800,000 yuan. The second category is personal venture loan (working capital loan), and the borrower must have legal documents such as business license. The loan ceiling depends on the borrower's operating level. The average upper limit is between1-200,000 yuan. The Law of Commercial Banks requires that commercial banks must implement guarantee methods when issuing loans, including third-party guarantee, mortgage and pledge. For details, please consult the local commercial bank. Information required for loan: 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. ) Remarks: 1. Loans can only be made with collateral, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; 4. Age limit of the borrower: male age+loan period shall not exceed 60 years, and female age+loan period shall not exceed 55 years; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. It usually takes about 1 month to get a loan. Process: 1. Apply for a loan from the bank. 2. After the acceptance of the bank, evaluate the value of the mortgaged property, and verify the loan amount according to the evaluation value. 4. Apply for real estate mortgage registration; 5. Bank loans