The bank loan was returned, and the supplementary materials may be unqualified audit materials. Materials to be prepared for bank loans include valid identity documents; Proof of permanent residence or valid residence, proof of fixed residence; Proof of marital status; Bank flowing water; Proof of income or personal assets; Credit report; Use plan or loan use statement; Other information required by the bank. In addition, it is recommended to provide real estate, cars, deposits, insurance, etc. As proof material. If you want to apply for a loan in a bank successfully, it depends on whether the applicant has enough repayment ability.
The first requirement for bank loans is that the lender should be a natural person with full capacity for civil conduct at the age of 18. The second condition is to have valid identification such as ID card and household registration book. Lenders need to have a stable income, and can provide effective proof of income (bank running water), or need to have enough mortgaged assets (real estate, vehicles, securities, etc.). The lender needs to maintain a good personal credit record and has no serious overdue record.
Bank loans include credit loans, mortgage loans, secured loans and other types. Although the requirements are different, the basic conditions are similar. Lenders must meet the requirements, have a stable income and work, and have the ability to repay the principal and interest. In addition, the bank will know the credit situation of the lender in the past five years by inquiring about the credit information. Xinbao had better have no long-term loans and serious bad records, and the personal debt ratio should not be too high. As for whether it meets the loan conditions, the bank's approval results shall prevail.
About loans
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. The simple and popular understanding of loan is to borrow money with interest. The so-called loan refers to the monetary funds provided by the lender (China's commercial banks and other financial institutions) to the borrower and repaid the principal and interest at the agreed interest rate and time limit. The loan currency can be RMB or foreign currency.