How to get a loan for Jiangsu Baoying rural hukou?

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

Conditions for applying for a loan:

1, a natural person with full civil capacity, aged between 18-60 years old.

2. Have a valid identity certificate and proof of marital status.

3. Obtain a credit rating of D or above in the bank.

4. It has legal business qualifications and fixed business premises, and can provide legal business licenses (or business licenses of merchants, booth licenses, industry business licenses, etc.). ) and the property right certificate or contract or lease of the business premises.

5. Have the ability to repay the loan principal and interest in full and on time.

6. Have a good willingness to repay.

7. Can provide effective guarantee.

8. Open a personal settlement account in a bank.

9. Other conditions required by the bank.

The bank loan process is as follows:

1. Loan application:

(1) Basic information of the borrower and guarantor;

(2) the financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;

(3) the correction of the original unreasonable loan;

(4) List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee;

(5) Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation, in which credit cooperatives evaluate the credit rating of borrowers;

3, loan investigation, credit cooperatives to investigate the borrower's legitimacy, safety, profitability and so on;

4, loan approval, credit cooperatives according to the loan management system of loan separation and grading approval for loan approval;

5. Sign a contract, and the credit cooperative signs a loan contract with the borrower;

6, loans, credit cooperatives in accordance with the provisions of the loan contract loans;

7. Post-loan inspection: the credit cooperative conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation;

8. Loan repayment. When the loan expires, the borrower will repay the loan principal and interest in full and on time.