1, personal credit loan. To apply for a personal credit loan from a bank, you only need the loan applicant to have a stable job and income. The general loan amount is between 654.38+0,000-500,000, and the longest loan period is 5 years. Usually, the loan can be released within 1 working days after the data approved by the bank, which is a fast loan scheme with no mortgage and simple operation.

2. Real estate mortgage loan. Property mortgage refers to the mortgage of one's own property to a bank in exchange for a loan from the bank. Real estate mortgage loan will not affect the right to live in real estate, nor will it affect the quality of life. This loan scheme has a long repayment period and a high loan amount, which is a good choice for enterprises and individuals to seek large amounts of funds.

3. The lent property can be mortgaged again. When buying a house, the mortgaged property, or the mortgaged property, can be re-evaluated according to the current market price, and you can apply for bank two mortgage again. Lenders can apply for loans by providing corresponding loan application materials.

4. The borrower shall submit the following information to the bank:

(1) Original and photocopy of the real estate license;

(2) my valid identity certificate and a copy;

(3) The original and photocopy of the spouse's valid identity document, and written proof of consent to mortgage;

(4) proof of residence (residence booklet or receipt of rent, water, electricity and gas expenses for the past three months);

(5) Proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );

(6) Effective contact information and telephone number;

(7) loan guarantee certificate;

(8) Personal settlement account voucher opened in the loan bank;

(9) Other information required by the bank.