First, the basic conditions for applying for a loan:

China nationality (excluding Hong Kong, Macao and Taiwan)

Age: 2 1-60 years old

Good credit record (no credit record is acceptable)

Live and work locally.

Registered in the local industrial and commercial bureau, as an enterprise legal person or shareholder.

Class A: (up to 500,000 yuan): If you own a property, or if your spouse owns a property and others own a property, you are the same borrower! (No running water or less than one year, the maximum amount is 65438+ 10,000! )

Class B: (maximum amount: 300,000) No real estate, actual operation for 24 months, and average monthly total water flow to the public and individuals exceeds 200,000!

Second, the application materials preparation instructions:

Materials required:

identity card

employment certificate

profit and loss statement

Proof of residence

credit report

Optional materials:

1, real estate license

2. Other materials

3. Proof of identity: the second-generation ID card (passport, household registration book, first-generation ID card, mainland residents' pass to and from Hong Kong, Macao and Taiwan, and military school student ID card are not recognized).

4. Work certificate: company business license+company lease contract+lease invoice.

A. company business license: it must pass the annual inspection! Class B customers have been operating for 2 years! The license is a company or individual license (excluding the business licenses of corporate bodies, branches/offices/representative offices and other branches)! If the applicant is a shareholder (more than 50% of the shares), a capital verification report or articles of association stamped by the company must also be provided!

B. Company lease contract (self-owned business premises can provide real estate license in their own or spouse's name)

C. the latest payment (water, electricity, coal and other properties. ) file!

5. Proof of income: company flow+personal flow.

A. Enterprise running water: the running water of the business entity in the last 6 months, or the computer cashier running water list, such as convenience stores or community supermarkets. (This kind of information must be obtained by the competent service personnel on the spot. )

B. Bank statements of individual joint savings banks in the past six months

6. Proof of residence: (Select one)

A real estate license/property use certificate (household registration book, temporary residence permit, lease contract)

B. Water/electricity/coal/fuel/cable TV/network/fixed telephone bill/

C official * * * letters: letters, credit card bills and bank settlement bills. (If sent by a public institution, the name and address of the applicant shall be provided).

Address certificate issued by the unit (if the customer is a unit housing)

Remarks: It must be sent within 30 days! There is the name and address of the applicant! If the name on the documents provided is not the loan applicant, proof of common relationship shall be provided.

7. Personal credit report (printed within one week, subject to the time when the letter is submitted to you)

A. Refusal of loan: "5" and "4" in the last 12 months, "3" or "2 times" in the last 6 months and "2" in the last 3 months.

B. When reviewing the loan, consider the current overdue, current repayment and the latest repayment time.

C special circumstances: if the applicant owes the annual fee (valid proof is required), or the credit card fails to report the loss in time (valid proof is required), resulting in breach of contract, the import is allowed.

8. Property certificate (optional material)

(excluding: relocated houses/demolition houses, private houses, homestead, temporary houses, etc.). )

My name is located in the city's real estate registration certificate (including shops) or "house purchase contract+loan contract+house purchase invoice"! If the property is in the name of your spouse, you need to borrow money from your spouse. Spouse ID card, marriage certificate and credit report are required. (Spouses need to provide work certificates and bank accounts, and the number of places can be increased.)

9. Other information (optional materials, which can increase the high amount of approval information)

B. Valuable assets (driving license, details of stock fund assets, insurance and wealth management product contracts, etc.). )

C. Bachelor degree or above to prove professional qualification or award-winning certificate (such as "the third prize of innovation of the Ministry of Science and Technology")

D. Maximum credit card bill in the last 3 months

E other relevant materials that can prove the financial resources and qualifications of the applicant.