Renminbi loans issued by banks to borrowers for working capital turnover in production and business activities. The loan object is a natural person with full capacity for civil conduct, legal and valid identity documents, good business conditions, a fixed residence in the local area, good credit standing, a stable source of income and the ability to repay the principal and interest on schedule. The maximum loan amount can reach 70% of the required funds. The longest loan term is 1 year. Application materials (1) personal loan application form; (2) Identification certificates of the borrower and spouse (resident ID card, passport, household registration book, etc.). ) and marriage certificate; (3) proof of the use of funds; (4) Enterprise business license or business license, enterprise financial statement, enterprise tax bill, etc. ; (5) Proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). ); (6) The ownership certificate of the loan mortgage guarantee, and the certificate that the person with the right of disposition agrees to mortgage; (7) Other supporting documents or materials required by the lender. Application for Handling Guide (1): The borrower shall fill in the application form at the loan handling outlet with the above application materials. (2) Loan approval: The bank investigates the borrower's guarantee, credit and other conditions, carries out approval according to procedures, and informs the borrower of the approval result. (3) Loan signing: After the borrower's application is approved, the bank and the borrower sign personal loan contracts and guarantee contracts, and go through notarization, insurance, mortgage (pledge) registration and other procedures. (4) Loan issuance: After the borrower has gone through the relevant formalities, the bank will issue the loan after examination and confirmation.