Individuals have to pay taxes on mortgage loans from banks, while enterprises have to pay taxes on bank loans. The loan only needs to pay stamp duty, and the most important thing for corporate loans is the capital verification report.

Materials to be submitted when an enterprise applies for a loan from CCB: 1, business license of the enterprise;

2. Organization code certificate;

3. National tax certificate;

4. Account opening permit;

5. Loan card (get the application form from the People's Bank, and then seal it at the bank where the enterprise's basic settlement account is opened);

6. Audited annual financial statements for two consecutive years;