Information required for individuals to prepare loans from banks first:

1, including loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (if the customer has a spouse, the spouse's ID card and household registration book are also required). If it is a mortgage customer, it is necessary to issue a certificate of property rights of the collateral;

If you are a customer with unsecured loans, you need to provide a good credit record.

2. apply. After preparing relevant materials, customers can apply for loans at banks or law firms entrusted by banks, submit relevant materials to banks and pay various fees.

The customer needs to sign a loan contract with the bank as a legal document binding both parties.

3. Loan review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the review fails, the bank will refund the relevant information of the customer and the fees charged.

4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register and file the mortgage in the bank for future inquiry.

5. Bank loans. After the customer's relevant procedures are completed, the bank will approve the loan according to the borrower's evaluation or submit it to the superior for approval.

Subsequently, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

A bank receipt is a valid document indicating that an individual or an organization handles business in a bank.

E-banking receipt is the proof of banking business. For example, if a user pays local taxes with a bank deposit, there should be a payment voucher in the bank. If the customer puts money into the company account, there will be a receipt.

The function of electronic statement and electronic bank receipt is to prove the receipt and payment voucher of the company account, which reflects the balance of the company account and is the original voucher used for bookkeeping.

The credit notice account is a bank loan, which was borrowed by our company, that is, the bank transferred the money given by other companies to our account, and our money increased. Debit notice refers to the number of debits of banks and credits of companies.

In other words, the bank's money has increased (borrowed) and the company's account has decreased (borrowed). It can be said that banks borrow money from our company's account and transfer it to their account, and then pay for goods or services for the company.

Extended data:

According to Article 29 of the Administrative Measures for Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions? Financial institutions shall keep customer identity information and transaction records according to the following time limits:

(1) Customer identity information shall be kept for at least 5 years from the year when the business relationship ends or the year when the one-time transaction is recorded.

(2) The transaction records shall be kept for at least 5 years from the year when the transaction is recorded.

If the customer identity information and transaction records are related to suspicious transactions in the anti-money laundering investigation, and the anti-money laundering investigation has not been completed at the expiration of the minimum retention period specified in the preceding paragraph, the financial institution shall keep them until the anti-money laundering investigation is completed.

If there are customer identity data or transaction records with different retention periods on the same medium, the longest retention period shall be maintained. Identity data or transaction records of the same customer are stored in different media.

1 Customer identification data or transaction records of the media shall be kept at least according to the above time limit.

Where laws, administrative regulations and other rules require a longer retention period for customer identity data and transaction records, such provisions shall prevail.

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