Conditions for borrowing more than 654.38 million yuan from a bank:

1, borrower and family situation. Generally speaking, the borrower should have an account in the loan bank. Provide the borrower's work unit, position and income. Explain that your spouse or family has a high income, which can make the bank think that you have strong repayment ability.

2. Loan application. The loan amount applied for must be commensurate with the borrower's family income. In the case of equal monthly repayment, we should pay attention to the matching of loan term and loan amount, so that the ratio of monthly repayment amount to the monthly income of the borrower or his family is reasonable.

3. Third-party guarantee (i.e. guarantor). If a natural person guarantees, provide the guarantor's certificate, account, monthly income, family loan and guarantee, and the relationship with the borrower. Where a legal person guarantees, a copy of the legal person's business license, business scope, financial status, contact address and relationship with the borrower shall be provided.

4. Collateral or pledge. For collateral, it is necessary to provide proof of ownership of the collateral and the assessed value of the collateral; If the collateral is owned by others, the proof of the owner's authorization to mortgage shall be provided. For collateral, it must be under the control of the lending bank.

Extended data:

According to different classification standards, there are many types of bank loans. For example:

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the different loan amount, it can be divided into wholesale loans and retail loans.

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.

In addition to certificates of deposit, personal loans can easily obtain certificates such as treasury bills and insurance company policies. 80% of the deposit amount can be used for loans; 90% loanable national debt of national debt denomination; The amount of the policy issued by an insurance company shall not exceed 80% of the cash value of the policy at that time.

The latest benchmark interest rate table for bank deposits and loans implemented on June 24th, 20 15: 4.35% for six months, 4.75% for one year and 4.9% for five years. Remarks: The benchmark interest rate is set by the central bank, and the bank loan interest rate can fluctuate on this basis.