(1) identification: the original and photocopy of the ID card are required (the spouse is required for married people). Temporary id card can also be used if the ID card is lost or the original cannot be used for other reasons.

(2) Hukou book: Hukou book needs a home page and a corresponding page, and Hukou book needs to be stamped with a fresh stamp (issued by the police station or unit where the household registration is located) and is within the validity period.

(3) Marriage certificate: one of marriage certificate, divorce certificate (divorce agreement is provided according to the requirements of different lending institutions), divorce mediation or divorce judgment, and single certificate (notarized by notary office). The reason why a marriage certificate is needed is because both husband and wife sign the loan (with the same repayment responsibility); If the borrower is divorced, in order to avoid disputes over property disposal, it is required to provide relevant judgments after divorce (such as who was awarded the house and car); Because of unmarried, divorced, widowed, etc. They are all called singles. Lenders require singles certificates to find out the borrower's assets.

(4) proof of residence: generally, you need to apply for a residence permit (in some places, temporary residence permits), or provide proof of payment of utilities, gas, communication and property management fees for nearly 3-6 months, or provide the bank credit card billing address for nearly 3 months.

(5) Work certificate: Without a stable job, it is generally difficult to get a loan (except collateral). Lenders will provide proof of work materials, borrowers only need to fill in relevant information, and then let the unit affix a fresh seal. If the unit or company has a work permit, it can also be prepared. In addition, business owners or self-employed individuals are required to provide the original and photocopy of their business licenses. Of course, some freelancers are unable to prepare this material. At the same time, it is necessary to provide materials that meet the loan conditions. : loan terms:

1, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

3. Good credit record and no bad credit record.

4. It can provide legal and effective guarantee recognized by the bank.

5. Other conditions stipulated by the bank.

Personal credit information is very important when handling commercial loans. If there is a record of three consecutive months overdue for six months, basically no bank will lend you money. It should be noted that the provident fund loan needs to be paid in full for 12 months, and it is still being paid before applying for the loan. The time from application to lending of provident fund loans is longer than that of commercial loans, so it needs to wait slowly. In addition, in the process of buying a house with a loan, if you encounter any problems, you can seek help from the property consultant in time. Proof of income The proof of income should cover twice the liabilities in the name of the individual, and the month of bank flow should be issued according to the requirements of specific banks. Small businesses may need to provide a copy of their business licenses.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.