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.