Bank loan is a kind of economic behavior that the bank lends the fund to the person who needs the fund at a certain interest rate according to the national policy, and agrees the time limit to repay. Generally, it is required to provide guarantee, house mortgage, income certificate and good personal credit information before application. So what information does bank loan need?
What information do you need for bank loans
1. Individual clients
As a natural person, customers need to provide the following information:
ID
Residence booklet
Marriage certificate or unmarried certificate (unmarried certificate some banks have template, just need to sign)
Bank flow, printing half a year to a year
Personal credit, the people's Bank of China with ID card can be printed, can also be printed in the network platform
Information related to operation and loan purpose, such as purchase and sale contract, purchase certificate, decoration contract, etc
Proof of assets, such as the copy of house property certificate, vehicle license, etc. This is only used as proof of personal assets, as well as the calculation of asset liability ratio
Mortgage, pledge and credit guarantee are not required
And other information that the bank thinks you need to provide. What information do you need for bank loans
2. Corporate clients
Relatively speaking, the information to be provided by corporate clients is more complicated, as follows:
Basic information of the enterprise, social credit code certificate, account opening permit, loan card (some enterprises do not have it now, and those who have gone through credit investigation will have it), and qualification certificate and business license are required for special business.
Articles of Association
Financial statements, preferably audited
Company and legal person profile
Corporate identity card
The resolution of the shareholders' meeting is made by only one shareholder
Information related to operation and loan purpose, such as purchase and sale contract, construction contract, etc
Company credit reference
Water, electricity, gas, wages and other related information
Mortgage, pledge, the provision of mortgage