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What materials do individuals need to apply for loans in Xiamen?
There are several ways to borrow: first, bank loans; 2. Loans from credit companies. I work in a credit company, and I can help you if necessary! Tel:15-711-5794-071. Bank loan: high demand, need asset mortgage. Details are as follows: loan information: 1, borrower's valid ID card and household registration book; 2, proof of marital status, unmarried need to provide proof of unmarried, divorced need to issue a court civil mediation or divorce certificate; 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. ) Bank loan conditions: 1. You must have a mortgage to get a loan, such as property and equipment. 2. You have a long-term stable income source and can pay the monthly loan principal and interest; 3. Someone must guarantee it. 5. Customers blacklisted in the credit information system cannot apply for loans; Application process: 1. Apply for a loan from a bank; 2. After the acceptance of the bank, evaluate the value of the mortgaged property and verify the loan amount according to the evaluation value; 3. Open a personal current deposit account and sign a loan contract; 4. Apply for real estate mortgage registration; 5. Bank loans. The loan characteristics of credit companies are: unsecured, fast and simple, low threshold, high amount, and higher interest than banks. A. Information required for office workers' loans: 1. Identification 2. Work certificate 3. Proof of income: salary card operation (at least 4 months, preferably more than 1 year) 4. Proof of address: rental contract or house purchase contract, water/electricity/gas/telephone charges for the last 1 and 2 months, etc. B. Information required for loans of small and medium-sized business owners or individual operators: 1, ID card; 2. Business license 3. Public and private banks in the last six months; 4. Lease contract of business premises, and the rent or utility bill for the latest month; 5. Telephone number of the rent bill or water and electricity bill of the individual residence in the last month:15-71-5794-07 Tips: Ping An Trust is a loan issuing unit, and it will never charge any fees before lending. Please find a formal financial unit for the loan.