1, identification materials; (ID card, household registration book, proof of marital status, etc. )

2. Collateral related documents; (such as household registration book, land certificate, vehicle registration certificate, driving license, etc. )

3. proof of work income;

4. Other materials stipulated by the bank.

Lenders need to meet the bank loan application conditions:

1, a legal citizen of China with a fixed residence in China and a fixed residence (or valid certificate) in a local town, and full capacity for civil conduct, aged 18-65 years old;

2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

3. No illegal acts and bad credit records;

4. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

5. Other conditions stipulated by the bank.

Generally speaking, the bank loan processing flow is as follows:

First of all, the borrower needs to submit a series of materials except the ID card to the bank, fill in the loan application form at the lending institution and apply for a loan.

Secondly, after the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract.

Finally, the bank issues loans to borrowers through transfer.