1, valid identity documents of the borrower and spouse.

2. The household registration certificate of the borrower and spouse.

3. Proof of marital status of the borrower and its spouse.

4. Proof of residence of the borrower and spouse.

5. Proof of occupation and income of the borrower and spouse.

6. Proof of loan use.

7. Other materials required by the lending institution.

It's all here What information do you need to prepare for bank credit loans?

; ? When applying for a personal credit loan from a bank, it is particularly important to submit the application materials because the loan is obtained with one's own personal reputation, and whether the bank approves it and the amount of approval is also determined accordingly. Banks have different requirements for application materials, but the basic materials are similar, as follows:

1, valid ID card.

First of all, you should have a valid identity document, usually my second-generation resident identity card or household registration book, with full capacity for civil conduct.

2. Proof of income

Effective proof of income is a measure of repayment ability. Therefore, banks must provide proof of income when reviewing loans. If you receive your salary by bank transfer, you must submit the proof of running water of your salary card.

3. Work certificate

Only when you have a stable job can you have a fixed source of income. Therefore, the bank also needs the borrower to provide proof of work to determine your repayment ability and approved amount.

4. Proof of marital status

Valid proof of marital status is also needed, and banks generally prefer credit loans for married people. Married people should submit information about their spouses and family members, and unmarried people should submit unmarried certificates.

5. Apply for a bank account for a loan.

In addition to the above supporting materials, it is also necessary to have a savings account of the bank applying for the loan, which is convenient for the issuance of the loan on the one hand and the repayment of the loan on the other hand, and the bank will automatically deduct the loan principal and interest from it.

6. Auxiliary certification materials

In addition to some necessary materials, the borrower can also provide as many supporting documents as possible, such as provident fund, social security, driving license, real estate license, etc., which is easier to obtain approval and is also very helpful for obtaining a high quota.

As for "what information should be prepared for bank credit loan", I will introduce it here, hoping to help you.

What are the procedures and conditions of credit loan?

I. Loan Process

1. The borrower submits the following information to the bank:

(1) loan application approval form;

(2) my valid identity certificate and a copy;

(3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months);

(4) proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );

(5) Effective contact information and telephone number;

(6) Personal settlement account voucher opened in China Industrial and Commercial Bank;

(seven) other information required by the bank.

2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract.

3. The bank issues loans to borrowers through transfer.

Second, the applicant conditions:

China citizens with permanent residence in China, permanent residence in local towns (or valid certificates), full capacity for civil conduct and meeting the following conditions may apply for personal credit loans.

1. Have a proper occupation and a stable income source (the monthly salary income must be above 1000 yuan), and have the ability to repay the loan principal and interest on schedule;

2. The borrower's unit must be an administrative, enterprise or institution recognized by the bank and having a good cooperative relationship with the bank, and the bank needs to pay wages on its behalf;

3. Abide by the law, and have no illegal acts and bad records;

4. Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

Restrictive factors in applying for unsecured credit loans:

1. Personal work and income: Banks will be more inclined to groups with stable income when examining the qualifications of loan applicants. Therefore, if the borrower can provide a bank payroll for more than half a year, it will be more helpful for the smooth handling of credit loans.

2. Personal fixed assets: owning fixed assets such as personal real estate or cars shows that individuals have a certain economic foundation and a certain repayment ability, and generally get a higher credit rating.

3. Personal credit record: Personal credit record is an important factor for banks to rate borrowers' credit. The bank will consider the borrower's loan record and credit card usage, including whether the loan is repaid in full and on time.

What information do I need to apply for a credit loan? See here for a detailed introduction.

What materials are needed to apply for credit?

Different loan platforms need to submit different credit application materials. The credit application materials of online lending platform are relatively simple, while the materials needed for bank credit loans are relatively complicated.

1. Materials that need to be prepared for online lending platform to handle credit granting.

Under normal circumstances, it is only necessary to provide a valid personal ID card, mobile phone number and my bank debit card. A small number of online lending platforms also need to provide property income certificates and personal credit reports, such as social security, provident fund deposit records, and work certificates.

2. Materials that banks need to prepare for credit.

1) identification: personal valid ID card, household registration book, residence certificate, spouse ID card, marriage certificate.

2) Property qualification certificate: bank running water, house title certificate, vehicle registration certificate, large insurance policy evaluation certificate, etc.

3) Work income certificate: work certificate, salary record issued by the bank, personal settlement account certificate opened by the bank, etc.

4) Proof of loan purpose: car purchase contract, entrance permit, renovation contract, business license, etc.

5) Personal credit report.

In addition to preparing the loan application materials, it is also necessary to meet the loan conditions of the lending institution, such as being at the age of 18-60, having full capacity for civil conduct, good credit, having a stable income from work, and being able to repay the loan principal and interest on time. Some banks also require borrowers to be their salary payment customers, provident fund deposit customers, social security deposit customers, housing loan customers and other white list customers.

After meeting the relevant loan conditions and preparing the loan materials, you can apply for a credit loan through the official channels of the loan platform. After the application is approved, you can sign a loan contract and wait for the loan.