Bank loan conditions

1, the original and photocopy of the valid identity certificate of the relevant borrower (in which the borrower's age must meet the basic conditions of 18-65 years old); Local permanent residence or valid residence identity certificate; Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

2. The pledge right, the list of collateral and the ownership certificate required by the relevant borrower to obtain the pledge and mortgage amount, as well as the written document that the owner and the property * * * agree to pledge and mortgage; The Guarantor agrees to provide the written documents of the guarantee and the guarantor's credit certificate required by the borrower to obtain the guarantee amount (not required if it is a credit loan).

3. Collateral evaluation report issued by the evaluation department that needs social recognition (this material is required for mortgage loans, and others are not required); Other documents and materials specified by the bank. Different banks and different loan products require different conditions. It is suggested that users in need can call the bank customer service or credit manager directly.

Extended data:

Loan skills

1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability, family income, etc. in detail. Make sure that your loan can be repaid on time no matter when, where or how.

Baidu encyclopedia-bank loan

Baidu encyclopedia-loan