it's a loan scheme! The conditions/materials required for loan application are as follows:

the original and photocopy of the borrower's valid identity certificate;

proof of local permanent residence or valid residence status

proof of borrower's loan repayment ability. Such as the income certificate issued by the borrower's unit, the borrower's tax bill and insurance policy.

the borrower's pledge rights, the list of collateral and the ownership certificate required to obtain the pledge and mortgage amount, and the written documents of the owner and the property * * * who agree to pledge and mortgage.

the written document that the guarantor agrees to provide the guarantee required for the borrower to obtain the guarantee amount.

credentials of the guarantor.

appraisal report of collateral issued by the appraisal department recognized by the society

other documents and materials stipulated by the bank

The steps/processes/procedures of loan are that you submit personal loan demand and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant, arranges a special person to contact the loan applicant, and if the contact passes the preliminary review, then instructs the loan applicant to provide the required materials, and then reviews it, and finally reaches the loan release.