To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Requirements for bank loans:

(1) permanent residence of urban residents with full capacity for civil conduct or valid identity documents of 18-year-old residents. The loan age is male 18-60 and female 18-55. Some banks can relax to 65. ;

(2) pay the down payment;

(3) have a stable legal income and the ability to repay interest;

(4) When applying for loans, property buyers should have free funds of not less than 30% of the purchase price.

(5) The borrower agrees to use the purchased house and its rights and interests as collateral;

(6) The purchased second-hand houses have clear property rights and meet the requirements for entering the real estate market stipulated by the Beijing Municipal Government;

(7) The purchased house is not within the scope of the demolition announcement.

(8) Other conditions required by the lending bank.

The procedure for handling unsecured loans is usually divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.