The conditions/materials required to apply for a loan are as follows:

Original and photocopy of the borrower's valid identity certificate;

Proof of local permanent residence or valid residence status

Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill and insurance policy.

The borrower's pledge right, the list of collateral required to obtain the pledge and mortgage amount, the ownership certificate, and the written documents of the owner and the property co-owner agreeing to pledge and mortgage.

A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

Credit certification materials of the guarantor.

Collateral appraisal report issued by the appraisal department recognized by the society.

Other documents and materials stipulated by the bank.

The steps/processes/procedures of loan are that you submit your personal loan demand and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant, and arranges a special person to contact the loan applicant. If the contact person passes the preliminary review, it instructs the loan applicant to provide the required materials, and then conducts a review to finally reach the loan issuance.