It is impossible to apply for a loan in a bank simply by relying on the mobile phone number. Lenders who provide loan services only by providing mobile phone numbers are mostly informal institutions and even suspected of usury, so they should choose carefully.

When lending on the online lending platform, borrowers can compare different platforms and choose the one that suits them best. However, after the loan, he must repay on time, otherwise he will have a penalty interest and increase the burden of repayment in the later period. Moreover, many online lending platforms are connected to the credit information center, and overdue will cause bad personal credit information.

When lending on the online lending platform, everyone should try to choose a formal platform. Such a platform can protect the rights and interests of users, and the loan interest is relatively small. Moreover, after the loan, users can choose different repayment periods. Now the formal online lending platforms include ants borrowing money, Baidu having money, flower buds, micro-loans and so on.

I. The information to be provided is as follows

1. ID card.

2. Household registration.

3. Marriage certificate or unmarried certificate (some banks have a template of unmarried certificate, just sign it).

4. Bank flow, printing for six months to one year.

5. Personal credit information can be printed by the People's Bank of China with ID card or on the online platform.

6. Relevant information on business and loan purposes, such as purchase and sale contracts, purchase vouchers, renovation contract, etc.

7. Proof of assets, such as copies of real estate license and automobile driving license. , only as proof of personal assets and calculation of asset-liability ratio. And other information that the bank deems necessary.

8. loan application; Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife * * * Letter of opinion from someone agreeing to the loan; Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). ); Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months); Loan contract.

Two, the general online application of microfinance applicants need to meet the basic conditions are

1. Applicant 18 years old or above is a natural person with full capacity for civil conduct.

2. The applicant's personal credit record is good.

3. The applicant has a stable economic income and the ability to repay the loan.

4. Other conditions required by the online lending platform.