How to apply for a loan from a bank?

Dude, what you said is too vague. Can you be more specific?

Let me give you a brief mention. Loans include credit loans, guaranteed loans, pledged loans and mortgage loans (movable and immovable property).

In China, according to the degree of economic development in different regions, the credit line and secured loan line in different regions are also different. Under normal circumstances, the credit loan amount is within 1 10,000 yuan, and the guaranteed loan amount is within 30,000 yuan. A chattel mortgage is a car or mechanical equipment. The car is a car with a net purchase value (excluding tax) 10 million yuan and less than two years. After one year, it depreciated by 30%. According to this standard, the loan mortgage rate does not exceed 50%, the commercial mortgage rate of housing mortgage loans does not exceed 60%, the pavement is 50%, and the commercial housing is 70%. The above standards are the standards of some financial institutions in Chengdu.

Personal production and operation loans, the required information is probably as follows:

1. Original and photocopy of valid identity documents of the Borrower and its spouse;

2. A copy of the household registration book or a valid residence certificate;

3. Proof of marital status;

4. Legal and effective production and operation certificate (business license after annual inspection, if clearly stipulated by laws and regulations, business license certification documents are required. Except as expressly provided by national laws and regulations, natural persons engaged in agricultural production, acquisition and sales do not need to provide business license documents);

5. Original and photocopy of business tax payment certificate (tax registration certificate or tax payment certificate);

6, production and operation, self financing and repayment sources;

7. Credit information inquiry authorization and credit report;

8. Interview records;

9. Guarantee materials (in case of pledge, the identity certificates of the pledger and the owner, written documents agreeing to mortgage and relevant materials of the pledge shall be provided; If mortgage is adopted, the mortgagor's identity certificate, marital status certificate and collateral property right certificate, pre-assessment report or value confirmation and assessment report shall be provided; Where a guarantee company is used for guarantee, a written document issued by a professional guarantee company agreeing to provide guarantee shall be obtained, and a deposit certificate shall be provided before the loan is issued);

10. Written proof of the purpose of the loan, such as purchase and sale contracts, bills of lading, invoices, etc. (Proof materials such as bills of lading, invoices, etc. It can only be obtained after the loan is used, and it can be a statement of the purpose of the loan and supplemented after the loan is used);

1 1. Personal loan application and investigation report.

The information required for personal consumption loans is as follows:

1. A copy of the original valid identity document, household registration book or valid residence certificate and marital status certificate of the applicant and his spouse;

2. Personal loan application and interview records;

3. Credit information inquiry authorization and credit report;

4. Written proof of the purpose of the loan (such as purchase and sale contracts or agreements, invoices for the purchase of commercial housing, etc.). , such as the proof materials that can only be obtained after the loan is used, which can be a statement of the purpose of the loan and can be supplemented after the loan is used);

5. Self-financing certificate (if the loan amount is less than 50,000 yuan, it may not be provided);

6. Guarantee materials (in case of pledge, the identity certificate of the pledger and relevant materials of the pledge shall be provided; In case of mortgage, provide the identity certificate, marital status certificate and property right certificate of the mortgagor (including the owner of * * *); If a guarantee company is used for guarantee, a written document issued by a professional guarantee company agreeing to provide guarantee shall be obtained);

7. Proof of the applicant's loan repayment ability (such as income certificate, tax payment certificate, provident fund deposit certificate, wage account statement, asset certificate, relevant procedures and materials provided by production and operation, etc.). );

8. Investigation report.

Note: The investigation report in the above information is issued by the bank. Part of the information is filled in by the bank in person.