I need to be present to handle the loan.
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2. Relatively speaking, however, if you only need to sign in person, you will have to make one less trip.
You don't need to apply for a loan online now.
Do I need to sign a bank loan?
The bank loan must be signed by the borrower himself, otherwise it will not be successful.
First of all, the program is generally divided into three steps:
(1) Basic information submitted by the customer, including work unit and contact telephone number.
(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.
(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.
II. Materials to be prepared for handling bank loans:
1. Valid ID.
2 permanent residence or valid residence certificate, permanent residence certificate.
3. Proof of marital status.
4. Banks are flowing.
5. Proof of income or personal assets.
6. Credit report.
7 loan use plan or statement.
8. Other information required by the bank.
Now more and more post-80s and post-90s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.
The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.
The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.
Do you need me?
You don't have to deal with it yourself. If the borrower has no time to attend the handling in person, he may entrust others to handle it on his behalf. The borrower writes the power of attorney in advance, and then applies for a loan to the lending institution with the borrower's ID card and valid documents. The customer is responsible for signing various agreements, but it must inform the borrower himself, and it can only be successfully handled after approval.
Legal basis:
Article 4 of the Law of People's Republic of China (PRC) Commercial Bank, commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles. Commercial banks conduct business according to law and are not subject to interference by any unit or individual. Commercial banks independently bear civil liability with all their corporate property.
Do I need to be present in person to handle the loan?
I need to be present when applying for a loan. If I really can't be present for some reason, some platforms can do it for me and need a legally binding power of attorney. However, I need to sign the contract on the spot. The contract has legal effect and is related to the subsequent repayment of the loan, so it must be signed by myself when signing the contract. At present, many lending institutions can apply for credit loans online, and some can do it directly without going to the site, but some institutions need to go to the site for face-to-face signing after applying for loans online.