1. What do I need to borrow?
Due to different borrowing institutions, the requirements for borrowing are also different. Generally speaking, the basic documents include the following contents:
1, personal loan
When individuals apply for loans from banks, they mainly carry information that can prove their personal identity, including ID card, household registration book, marriage certificate and residence permit. In addition, you should also prepare materials to prove your repayment ability: work certificate, income certificate, bank account, assets certificate (social security provident fund, mortgage house, full house, life insurance policy, car, wealth management, large deposit certificate) and so on.
2. Mortgage loan
Compared with pure credit loans, mortgage loans have a higher amount and a higher pass rate. However, the process is complicated and more documents need to be provided. In addition to the basic information needed for personal loans, you also need to prepare property ownership certificate, marriage certificate, husband and wife household register, husband and wife credit report, divorce certificate, divorce agreement and asset certificate.
3. Operating loans
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 are the procedures for borrowing money?
1, submit information. Whether you go to a bank outlet or 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 the bank to review.
3. After approval, you can sign a contract and handle mortgage registration.
4. Waiting for a bank loan.
Third, what are the conditions for borrowing money?
1. First, the borrower needs to consult the conditions of the bank loan, fill in the application form for house mortgage, and submit the following supporting materials from the bank. The employer shall issue credit certificates such as income certificate, business license and legal person certificate, photocopies and originals of house ownership certificate, appraisal report, appraisal certificate and insurance certificate of mortgaged property, and other documents or materials required by the loan bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the borrower's account.