Information to be provided for loan:

1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Requirements for loan:

1,1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed);

2. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

3. The actual age of the borrower and the loan application period should not exceed 70 years old.

1, credit line

The credit line is the maximum amount that the borrower is allowed to borrow in the agreement between the borrower and the bank.

2. Revolving credit agreement

Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.

3. Compensatory balance

The compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).

What are the terms of the loan?

1. What are the terms of the bank loan?

1. The applicant must be a natural person with full civil capacity.

2. Having urban permanent residence or valid residence status requires the borrower to have legal status.

3 have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan.

4. Some banks will require applicants to apply for the bank's credit card or borrow money from banks with good credit records.

5. Some also require providing assets recognized by the bank as collateral or pledge, or using units or individuals that meet the prescribed conditions and have compensatory capacity as guarantors to repay the principal and interest of loans and bear joint and several liabilities.

Two, the borrower to apply for personal credit loans to the bank, you need to fill in a written application form, and submit the following information:

1, my valid identity document;

2. Proof of residential address (household registration book, etc. );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information stipulated by the bank.

The loan procedure is that you submit the personal loan demand and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant, arranges a special person to contact the loan applicant, and if the contact person passes the preliminary review, instructs the loan applicant to provide the required materials, then conducts the review, and finally achieves the loan issuance.

Extended data:

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.