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

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.

Requirements for bank loans:

At least 18 years old, with full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificate, and the age of the lender required for bank loans is generally between 18-60 years old;

Have a stable legal income and the ability to repay interest;

Other conditions required by the lending bank.

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

Basic information submitted by the customer, including work unit and contact telephone number;

The loan bank or company checks the credit information of customers, including whether the credit rating of customers has illegal records, and for self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions;

The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.