These materials include proof of identity, proof of marital status, personal or family income and property status and other repayment ability documents; Relevant agreements and contracts for loan purposes; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank. Finally, there must be collateral, and there are many kinds of mortgage methods, such as movable property and real estate mortgage, time deposit certificate pledge, securities pledge, and movable property pledge with strong liquidity and so on.

Fill in the application form

The applicant holds the business plan (or loan project book) and puts forward the demonstration requirements to the loan guarantee recommendation institution or business experts. Those who pass the demonstration can apply for a business loan.

Get a recommendation

After the recommendation institution organizes experts or relevant personnel to demonstrate the application project, if it meets the requirements of the opening loan, it shall sign the recommendation opinion in the recommendation column of the opening loan application; Do not meet the requirements, it shall put forward opinions to the applicant and return the relevant materials provided by the applicant.

Step 4 identify

The applicant obtains identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the application for opening loan.

5. Bank acceptance bills

The applicant shall submit a loan application to the designated bank acceptance point with the "Application for Starting a Business Loan" signed with recommendation opinions and identity confirmation opinions, and provide relevant materials.

6. Loan review

The bank shall, within ten days from the date of acceptance, make a loan audit opinion, and fill in the bank audit opinion column of the Application for Opening an Account for Loan, and submit it to the account opening guidance service center. If you don't agree to the loan, you should inform the applicant in time and make suggestions.

Access to credit

After accepting the bank's loan guarantee opinions, the lender's personal (or unit) guarantee procedures and loan procedures can be handled according to the requirements of bank credit rules and regulations within five working days.