1. What is the door-to-door review of bank loans?

When applying for a loan, the bank will review the borrower's loan materials. When applying for a personal loan, the bank will review: Investigate the basic situation; investigate the borrower's personal credit; investigate the borrower's personal assets and liabilities. : 1. Investigate the basic situation of the borrower. After the borrower submits the loan materials, the bank will review the borrower's materials. Understand the borrower's basic situation and investigate the borrower's repayment ability. Borrowers can obtain more information through materials. For example, whether the borrower's marital status, residential address, etc. are true, and whether the professional information provided is true. 2. Investigate the borrower’s personal credit. Personal credit is related to the borrower's overdue repayment problem and whether the loan can be repaid on time. This is very important during the loan process. So where to check the credit report? Banks generally check the credit reporting system to understand the borrower's personal credit status. If the borrower has a good credit record and no overdue repayment records, the bank will consider the borrower's personal credit to be very good. Such a loan If you apply for a loan, you will not be rejected. 3. Investigate the borrower’s personal assets and liabilities. The bank will examine the borrower's and family's income, the liquidity of all the family's assets, and investigate whether the borrower has liabilities. The main purpose is to understand whether the borrower has the ability to bear the repayment pressure. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "Three Principles" refer to safety, liquidity and efficiency, which are the fundamental principles of commercial bank loan operations. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

2. What does the bank investigate when applying for a personal loan?

1. Basic situation. After receiving the borrower's loan application, the bank will conduct a preliminary review of the information submitted by the borrower. Understand whether the relevant documents submitted by the borrower are true and valid, whether the marital status, residential address, etc. provided are true, and whether the professional information provided is true.

2. Credit status. Banks generally use the credit reporting system to understand the borrower's credit status, check whether there is a credit record on the personal credit report, and whether there are any overdue repayments, etc. Banks have the right not to accept loans for borrowers with poor credit.

3. Assets and liabilities. The bank will investigate the per capita monthly income and realizable assets of the borrower and his or her family. The borrower and his or her family's debt status with the lender or elsewhere will also be investigated. Investigating these two aspects is mainly to understand whether the borrower has a source of repayment and its ability to repay.

4. Loan purpose. The bank will investigate the borrower's loan usage to see if it is legal and true.

3. What will the bank investigate when applying for a personal loan?

I want to go out to do business on my own, but I am short of money. I have a house at home worth about 400,000 and want to find a bank for a loan of 200,000. , it will take about one year to repay the class, look for investment, and other local commercial banks for industry, agriculture, construction, and commerce, you don’t have to think about it, they are not lending now

4. When banks handle personal loans What content will be investigated

1. Basic situation. Upon receipt, the bank will conduct a preliminary review of the information submitted by the borrower. Understand whether the relevant documents submitted by the borrower include marital status, residential address, etc., and whether the employment information provided is true.

2. Credit status. Banks generally use the credit reporting system to understand the borrower's credit status and check whether there are any overdue repayments on the personal credit report. Loans will be accepted for those with poor credit standing.

3. Assets and liabilities. The bank will investigate the per capita monthly income and realizable assets of the borrower and his or her family. The loan liabilities will also be investigated. Investigating these two aspects is mainly to understand whether the borrower has a source of repayment and the purpose of repayment

4. The bank will investigate the borrower's loan usage,