To apply for a bank loan, you need to prepare materials:
1, valid ID;
2. Proof of permanent residence or valid residence, and proof of fixed residence;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Loan use plan or statement;
8. Other information required by the bank.
Extended data:
The personal loan process of rural commercial banks is as follows:
1. For the loan application, fill in the loan application form and submit the information.
2. The borrower's credit rating can be independently assessed by the lender, can be mastered internally, and can also be assessed by an assessment agency recognized by the competent department.
3. Loan investigation: After accepting the borrower's application, the lender will investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.
4. When approving the loan, the lender shall establish a loan management system that separates the loan review from the grading approval.
5. Sign a loan contract. All loans shall be signed by the lender and the borrower.
6. Loan issuance: The lender shall issue the loan on schedule as agreed in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.
Personal loan type:
I. Personal housing loans
1. Personal housing commercial loan
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.
2. Personal housing provident fund loans
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.
3. Individual housing portfolio loans
Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.
Second, personal automobile consumption loans.
Third, personal durable consumer goods loans.
Fourth, personal commercial loans.
V. Personal document pledge loan
Intransitive verb personal micro-loan
Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years.
Seven, personal non residential mortgage loans
1. installment loan
2. One-time repayment of loans
3. Credit card loan: A credit card refers to any card, disk and other tools that can be used to borrow money or purchase goods and services in the form of credit at any time and repeatedly.