Materials required for personal loan: 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

2. What are the conditions for bank loans?

Condition: 1. Must be a natural person with full capacity for civil conduct. 2. Have permanent residence in cities and towns or valid residence status. 3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan. 4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records. 5. Some banks also require to provide work mortgage or pledge recognized by the bank, or units or individuals that meet the prescribed conditions and have the ability to compensate. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Loan channel 1. Traditional loans (also called offline loans) refer to the application for loans submitted through banks in real life. ) 2. Online loan (also called online loan, refers to submitting a loan application online), that is, P2P financial loan. The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors. Three. Mobile phone loan (refers to the loan application submitted through the mobile phone loan app, which is flexible and convenient at any time and place) The basic provisions of the loan are:/kloc-China citizens aged 0/8 to 60 with full civil capacity. Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.