* valid identity documents;
* Pledge and mortgage documents. Where a guarantor provides a guarantee, there must be a guarantee document.
Second, the bank's loan audit: the bank investigates the borrower's guarantee and credit, examines and approves according to the procedures, and informs the borrower of the examination and approval results.
Third, sign a contract: after the borrower's application is approved, he shall go through the following procedures:
* Sign loan contracts and corresponding guarantee contracts with banks;
* Notarization, insurance, mortgage (pledge) registration and other procedures.
4. Lending: After the borrower completes the relevant formalities, China Merchants Bank will pay the loan to the borrower's personal account and transfer the loan to the relevant payee's account according to the borrower's entrustment.