Bank loans are mainly for individuals and enterprises, so that individuals can apply to the bank for loans. So, personal loans to the bank

The process of personal lending to banks is as follows:

1. Application: the borrower holds a valid identity card and the relevant information required by the bank, fills out the letter-issuing application form and submits a letter-issuing request to the operator

2. Approval: conduct an investigation of the borrower ' s credit position, follow the procedure for approval and inform the borrower of the outcome of the approval

3. Contracting: after the request has been approved, the borrower and the letter of credit agreement, which gives the borrower the amount of credit

4. Use: The borrower may at any time, after receiving a credit line, submit a request for use to the operator, who may issue the loan to the borrower ' s personal account。

What are the conditions for individual loans to banks:

1. The applicant must be a natural person with full civil capacity

2. Having a regular urban household or valid residence status, i.e. requiring the borrower to have legal status

3. A stable occupation and income, good credit and the ability to repay the principal of the loan

4. Some banks require the applicant to have a credit card or loaned to the bank and have a good credit record。

Material required for personal loans to banks:

1. Valid identity card of the borrower, account book

2. Proof of marital status that unmarried persons are required to provide an unmarried certificate, a divorced person is required to produce a court civil settlement or a divorce certificate (specify that they are not remarried after divorce)

3. A marriage requires a valid identity card for the spouse, a household register and a marriage certificate

4. A certificate of the borrower ' s income (salary income certificate for half a year or local tax certificate)

Where a mortgage is required for a loan, proof of the right to the mortgage must be provided, and the amount of the loan and the total interest during the loan period cannot exceed one second of the value of the mortgage assessment。