1. identification: provide valid identification documents, such as resident identity cards.

2. Income proof: provide relevant proof materials of income source, such as payroll, tax bill, bank statement, etc. To prove the repayment ability.

3. Loan application form: Fill in the loan application form, including personal information, loan amount, term, etc.

4. Collateral evaluation: According to the loan amount, it may be necessary to evaluate the collateral to determine its value and acceptable mortgage ratio.

5. Collateral certificate: provide relevant documents of collateral, such as real estate license and vehicle registration certificate.

6. Guarantor or guarantee institution: sometimes it may be necessary to provide additional guarantee, which may be an individual or a special guarantee institution, and provide its identity certificate and relevant guarantee documents.

7. Credit records: Banks may inquire about personal credit records to learn about repayment history and credit status.

Summary:

A loan of 654.38+00,000 yuan requires identification certificate, income certificate and loan application form, and may require collateral evaluation and collateral certificate. Additional guarantees may be required. In addition, banks may check an individual's credit history.

Extended data:

The requirements of each bank or financial institution may be different, and the specific procedures and document requirements may vary from region to country. It is recommended to contact the lending institution directly to obtain accurate information.