No, the borrower needs to bring valid documents to the bank to apply for a loan. Materials to be prepared for the loan:
1, ID cards of both husband and wife of the borrower;
2. The borrower's household registration book/foreigner needs a temporary residence permit and household registration book;
3. Marriage certificate/divorce certificate or judgment/single certificate;
4. proof of income;
5. Academic certificate;
6, the bank is flowing;
7. Other attributes;
8. Copy of the business license of the unit (with official seal);
9. certificates of deposit, etc. ;
10. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements;
1 1. Other information required by the bank.
Second, please tell me whether the account can handle loans.
Only the household registration book is not allowed to apply for a loan. It is only valid if you have a household registration book and an ID card and fill out the loan application form in person at the bank.
If you want to know more about loans, you can log on to Easy Loan China official website. For details of the loan, please refer to China, the leading online loan trading platform in China. Application address:/quickloan/dashi-minxin0301-index.html Easy Loan China, the online loan application trading platform, cooperates with more than 20 banks/microfinance companies nationwide and accepts online loan applications from all over the country. Easy Loan China will review and solve your problem as soon as possible. Third, is there an account for mortgage loans?
You can't mortgage or loan with your account. Because the household registration book is only one of the identification documents, it does not have mortgage conditions. To apply for a bank mortgage loan, the collateral must meet the following conditions: 1, the property right is complete, and the applicant has the right to control the collateral; 2. It has a certain cash value, and the cash value is higher than the loan amount applied; 3. Collateral can be directly listed and traded; 4. Collateral operation is simple and flexible, and the market is relatively large.