Personal loan application process

1. Customer application

Fill in the loan application form as required

2. Customer submission materials

Applicant’s identity proof materials, including valid resident ID card, household register, and proof of residence. If you have a spouse, you should also provide your marriage certificate, spouse's resident ID card and relevant identity certification materials

3. Review

① Whether the materials submitted by the customer are complete and whether the official seal is affixed Clarity, whether the name of the loan company matches the business license, and the completeness, legality, standardization, authenticity, and validity of the materials

②The currency, term, amount, guarantee method, and purpose of the loan of the credit business Whether it is consistent with the content of the negotiation

③Whether the purpose, term, amount, guarantee method and basic information of the entrusted agent for the credit business are consistent with the resolution of the shareholders' meeting or the resolution of the board of directors. Whether the signer on the relevant resolution complies with the provisions of the company's articles of association and organizational documents

④ Business license and other valid certificates that have passed the annual review

⑤ Review of mortgage or guarantee materials, mortgage Whether the property is sufficient and whether the guarantor has the ability to guarantee the full amount. After reviewing the customer's application materials, if the materials are incomplete, the person in charge needs to return the application materials to the customer and provide explanations

4. Credit evaluation

① The overall credit status of the customer, Including the credit status of the People's Bank of China and social credit status

②Asset and liability status, real estate status

③The purpose of the loan and whether the repayment source is reliable

④Mortgage or Whether the guarantee is feasible

5. Approval

6. Implement the pre-loan conditions

7. Sign a contract, including a guarantee or mortgage contract

8. Expenditure

9. Credit registration

10. Accounting

11. Post-loan inspection

12. Loan recovery< /p>

Extended information:

1. Personal loan conditions

1. Aged 25 or above, have full capacity for civil conduct and have a permanent residence or valid residence in China Proof

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay principal and interest on time

3. Have a good credit record and no bad credit record

4. Be able to provide legal and effective guarantees recognized by banks

2. Personal loan classification

1. Personal automobile consumption loans

2. Personal loans Durable consumer goods loans

3. Personal operating loans

4. Personal valuable document pledge loans

5. Personal small credit loans

Personal small credit loans are RMB credit loans without guarantee issued by banks or other financial institutions to borrowers with good credit. They are based on personal credit and repayment ability. The amount generally does not exceed 100,000-200,000. The loan period ranges from 1 to 2 years

6. Personal non-residential mortgage loans

Baidu Encyclopedia - Personal Loans

Baidu Encyclopedia - Bank Loans