1. Copy of the borrower's ID card and household registration book (identity certificate is verified and filed); 2. Copy of the borrower's marriage certificate (family background investigation); 3. The borrower's income certificate (the bank's reference to the lender's repayment ability); 4. Proof of the borrower's work, education and professional title (the bank's reference to the lender's repayment ability); 5. Proof that the borrower has opened a personal settlement account in the credit union (establishing convenient withdrawal and repayment channels); 6. The borrower's personal credit report (the applicant's historical credit record is reviewed, and usually the bank will have a special person to review this item).
Legal basis:
The definition of mortgage in Article 394 of the Civil Code is to guarantee the performance of debts. If the debtor or the third party does not transfer the possession of the property and mortgage the property to the creditor, the debtor fails to perform the due debt or the creditor has the right to be paid in priority for the property.
The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.
How do individuals get loans and what materials do they need?
1. What documents do you need for a bank loan?
Due to different lending institutions, the requirements for loans are also different. Generally speaking, the basic documents include the following contents:
1, personal loan
If an individual goes to the bank to apply for a loan, he mainly carries information that can prove his personal identity, including ID card, household registration book, marriage certificate and residence certificate. In addition, you should also prepare materials to prove your repayment ability: proof of work, proof of income, bank flow, proof of assets (social security accumulation fund, mortgage house, full house, life insurance policy, automobile, wealth management, proof of large deposit) and so on.
2. Mortgage loan
Compared with pure credit loans, mortgage loans have higher quota and higher pass rate, but the process is complicated and more documents need to be provided. In addition to the basic information required for personal loan, you also need to prepare real estate license, married marriage certificate, husband and wife household registration book, husband and wife credit report, divorce certificate, divorce agreement, asset certificate, etc.
3. Operating loan
There are many enterprise loan documents, so it is necessary to prepare business license, business process, business place, official seal, articles of association, enterprise credit investigation, proof of fund use, and provide financial statements and tax payment records when necessary.
2. What is the procedure of bank loan?
1, submit the information. Whether you go to a bank outlet or go online, you need to submit all kinds of documents required by the bank.
2. Waiting for review. Mortgage loans and operating loans may need to evaluate assets. , and then wait for bank review.
3. After approval, the contract can be signed and the mortgage registration can be handled.
4. Waiting for a bank loan.
What documents do I need to bring to the bank to apply for a loan?
1. Second-generation ID card; Work certificate; Income proves that the wage bank has been flowing for the past three months; Address (water or electricity bill and other documents with detailed address) If you are not working, please provide your bank account and personal credit report for half a year. Others: submission of tax bills, real estate, automobile production, funds, degrees, etc. The application amount can be increased.
What documents and procedures do you need for a loan?
Application documents and procedures to be provided:
Original and photocopy of the borrower's valid identity certificate.
Local permanent residence or valid proof of residence.
Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit.
The borrower's real estate license and driving license (not necessary, the loan amount can be increased).
Credit report of the borrower (which can prove personal credit).
The salary card is flowing (nearly 6 months).
Repayment record of the loan in the past three months (if there is a loan).
Costs of water, electricity, gas, etc. Addresses that can be proved in the past 3 months.
Generally speaking, to apply for a personal loan, you need to meet the following conditions:
A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.
Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan on time.
Have a good credit record and willingness to repay, and no bad credit record.
Can provide legal, effective and reliable guarantee recognized by the bank.
There is a clear loan purpose, and the loan purpose conforms to the relevant regulations.
Other conditions stipulated by the bank.
Generally speaking, for loan types such as personal comprehensive consumption loans and personal credit loans, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount.