Do you need to provide a personal credit report for bank loans?

Bank loans need to provide personal credit reports.

When applying for a bank loan, the borrower shall provide the following materials:

1, husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit-related certificates: including academic credentials, other real estate certificates, bank liquidity, certificates of deposit, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Personal credit information is recorded in personal credit report, which mainly includes personal basic information, repayment of loan principal and interest, credit card overdraft, bank account balance information, non-bank information (payment information of utilities such as water and electricity, tax arrears, civil judgments, etc.). ). This information will affect individuals' lending behavior in financial institutions.

For example, when banks handle personal mortgages, they generally need to read personal credit reports. If the credit status is good, they may get preferential loans, while those with overdue records may have to raise prices or even get loans in serious cases. It can be said that the personal credit report is an individual's economic identity card or economic file certificate.

Extended data

When applying for a bank loan, the borrower must meet the following conditions:

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed);

2. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

3. The borrower's actual age and loan application period shall not exceed 70 years old.

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