Responsible for the certificate as long as you write it according to your own actual situation, and then hand it over to the relevant departments for verification. Debt certificate refers to the document that proves the ownership of debt, which needs to be filled in according to the actual situation. Liabilities refer to the current obligations of an enterprise formed by past transactions or events, which are expected to lead to economic benefits flowing out of the enterprise.

You can take your ID card and bank card to the bank to accept it, explain to the bank the use of issuing a settlement certificate, and the bank will issue a certificate for you; Bring your credit card and personal ID card to the bank counter. In this way, you can go to any business point of the issuing bank to handle it.

If the settlement certificate is signed, there will be a branch of the issuing bank. Find the issuing bank and issue a certificate of no arrears, but the certificate should indicate the number of arrears and the repayment time, so as to show that it is not malicious. If you have handled many credit cards, bring your personal ID card directly to the local credit center of China People's Bank or in official website.

What are the conditions for bank loans?

First, personal credit loan conditions

(1) The bank requires the borrower to have a stable income certificate and a loan use certificate;

(2) The personal credit status is good;

(3) There are certain restrictions on the borrower's income. Generally, the borrower's average monthly income is required to be no less than 4,000 yuan.

After submitting the relevant application materials, the bank can apply for a loan of 5-8 times the monthly income after approval.

Second, the housing mortgage loan conditions

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan.

(1) The lender has strong ability in income credit;

(two) the age of the house should be less than 20 years, and the house area is more than 50 square meters;

(3) The house has strong economic value;

(four) the amount of mortgage loans shall generally not exceed 70% of the housing appraisal value.

After submitting the relevant information and the bank's approval, you can apply for a loan with a maximum of 5 million and a maximum term of 20 years.

Third, the conditions of college students' entrepreneurial loans

(a) college students, as well as college students within two years of graduation;

(2) College degree or above;

(3) 18 years old or above.

Relatively speaking, the application conditions for college students' entrepreneurial loans are still relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get loans after approval.

Four, self-employed loan conditions

(1) Having a local account;

(2) Having a local fixed income;

(3) Being able to provide legal mortgage (pledge);

(4) Opening a bank account with a lending bank.

V. Housing mortgage loan conditions

(1) Having a valid identity card and;

(2) Good credit record and willingness to repay;

(3) Stable income;

(four) the purchase of commercial housing sales contract or letter of intent;

(5) Having the ability to pay the down payment for the purchased house;

(6) It is opened in a bank and has an effective guarantee.

After meeting the conditions of a loan, the application materials can be submitted to the bank, and the bank will review and decide whether to lend.

To sum up, bank loans are generally divided into five types: personal credit loans, housing mortgage loans, college students' entrepreneurial loans, self-employed loans and housing mortgage loans.