Legal analysis: 1. Bring a copy of the second-generation ID card, a copy of the household registration book, and the original work certificate with official seal issued by the lender's current work unit. 2. If the self-employed and the person in charge of the company will produce a copy of the business license and the equity certificate. 3. You also need the original personal income certificate, the original personal credit report and the proof of marital status. 4. After preparing the above information, go to the credit department of the bank outlet where the mortgage loan is handled, and there will be an account manager specially responsible for this business to receive the lender. 5. The audit period is usually 7 to 15 working days. After passing, the outlet will inform the lender to go to the outlet to apply for a debit card for loan and repayment.
Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.