The application process is as follows:

first step

Bring personal ID card, local household registration book or temporary residence permit, proof of economic income (such as bank running water and deposit receipt) and other related materials to the bank's business outlets to find the counter staff to apply for a loan, collect the application form at the counter, fill it out, and then submit the form and materials together after confirming that the information is correct.

Second step

After accepting the application, the bank will review it according to the information submitted by the customer, and at the same time inquire about the customer's credit report to understand its specific credit status. After the approval result comes out, whether it is approved or not, a message will be sent to inform the customer in time (the loan amount will be approved and the loan interest rate will be determined after approval).

Third step

After receiving the approval notice, sign a loan contract at the bank's business outlets within the agreed time and go through the relevant procedures.

Fourth step

The bank will release the loan funds to the bank card in the customer's name (normally, the loan will arrive within one month). If the loan is postponed, you can take the initiative to call the bank to ask about the specific progress of customer service).

Second, online lending.

Many banks provide online loan products, which are applied online all the time, automatically approved by the system and directly approved by the bank. Customers can apply through mobile banking or online banking, the process is relatively simple, and the loan is relatively fast, and the account can be received on the same day at the earliest.

The basic conditions for applying for a bank loan are:

1, at least 18 years old, with full capacity for civil conduct;

2. The place of work or residence is in the place where the loan issuing institution is located;

3. The credit status is good, and there are no bad records and serious negative information in the credit report;

4 have a fixed job or a stable income, and have the ability to repay the principal and interest of the loan on time.

If you go to the bank to apply for a mortgage loan, you must also ensure that the collateral meets the following requirements:

1. The ownership of the collateral is clear (unless it is unique to individuals, the written consent of the property owner is required).

2. There is a certain value space (the higher the value, the higher the loanable amount).

If you go to the bank to apply for a secured loan, the guarantor needs to meet the following requirements:

1, enterprise guarantee

It has legal business qualifications, good business benefits, normal capital turnover, and no litigation cases affecting business.

2. Person's guarantee

It has certain assets under its name, good credit and sufficient compensation ability.