Many people will choose to go to the bank for loans when they need funds. A loan from a bank needs to meet certain conditions in order to succeed. What if we want to borrow 200,000 yuan from the bank? Let's take a look at the conditions and related materials that need to be met when applying.

How to get a bank loan of 200,000 yuan?

1. If you own a house with a value of more than 300,000 yuan, you can apply for a mortgage loan to 200,000 yuan in the bank. Required information: ID card, marriage certificate, household registration book, income certificate, bank account, property right certificate, land certificate, married information of both parties.

2. enterprise credit loans: What is needed is that the business license of the enterprise has expired for one year. If the income is good, you can handle the required materials: ID card, marriage certificate, household registration book, business license, tax registration form and bank account number.

3. Credit loan. The requirement for a credit loan of up to 200,000 yuan is very high. What is needed is that the lender is a cadre above the civil service level, a top 500 enterprise executive, a doctor and a teacher. What is needed is information: ID card, marriage certificate, household registration book, income certificate and bank account.

Application materials to be provided

1, ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse;

2. Proof that the borrower's spouse promises to repay jointly;

3, engaged in production and business license, engaged in licensed business, should provide the original and copy of the business license of the relevant administrative departments; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;

4. Proof of loan use (such as house purchase contract, etc.). );

5, production and business activities of the tax certificate;

6. The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of the owner and the property co-owner agreeing to mortgage (pledged);

7. Collateral appraisal report issued by the appraisal department recognized by the bank;

8. Other information required by the bank.

Through the above, we also know the conditions and materials that need to be met to borrow 200,000 yuan from the bank. Of course, it is most important to have a certain repayment ability.