After you apply for a personal loan at BOC, you need to approve the loan. You can directly contact the loan processing network to inquire about this situation.
The above contents are for your reference. Please refer to the actual business regulations.
Pre-approval of second-hand housing loan
Pre-examination of second-hand housing loan means that the lender provides personal data to the bank for preliminary examination, and only after passing it can he qualify for the formal loan of the destination bank. To apply for a loan from a bank, the bank's approval process is as follows:
1. Receive the lender's information and input it into the bank's system;
2. Inquire about the credit information of the lender and both husband and wife. If there is no problem with the credit information of both husband and wife, they will pass the preliminary examination;
3. After the pre-trial is passed, I will call to verify the authenticity of the submitted materials;
4. After the telephone audit is approved, prepare the bank to notify the lender.
Why is the loan pre-approved amount different from the actual amount? There are these reasons!
I believe many people have applied for loans from banks or lending institutions. In fact, there are still many details that people have not noticed. For example, they occasionally receive pre-approved loan amounts. It seems that there are 50 thousand, but the actual loan is only 20 thousand. So why is the loan pre-approval amount different from the actual amount? The main reasons are as follows.
Why is the loan pre-approved amount different from the actual amount? Because the pre-approval amount of loans is determined by many factors.
1, personal credit. As long as you have business dealings with the bank, for example, you have a credit card in your name, then the bank can carry out post-loan management, find that your credit is good, and will take the initiative to push some loan lines. I hope you can use them. This is the pre-approval amount, which is determined according to your credit information.
2. Personal assets. There may be some investment and wealth management, deposit, mortgage, car loan and other businesses in the bank. These are valuable assets that can be used for mortgage or credit loans. The bank will select some high-quality customers and give them a pre-approved quota.
3. Random selection. It is possible that the bank bought a loan product. During the promotion period, I hope more people will use it and choose some customers with good qualifications and good credit to push the loan amount.
4. advertising. The pre-approval amount is generally displayed on the home page or loan amount page, and other information needs to be supplemented in the actual application, so it is normal that there is a gap between the two.
5. Personal needs. Sometimes individuals don't need such a high quota, and the bank will give a maximum quota in advance according to the borrower's situation, and the borrower can apply according to his own needs within this range.
In short, the pre-approval quota is different from the actual quota, so you can apply according to the actual demand.
Does pre-approval mean that the loan is approved?
Passing the pre-trial does not mean that it will be approved in the end. Because the success of the loan depends on the final approval result, and there will be a final review after the initial review. If the preliminary examination is passed, it can only show that the customer meets the requirements of the bank (loan company) and meets the application qualification.
After that, the loan handling bank will also comprehensively evaluate its economic income, liabilities and repayment ability according to the information provided by the customer, and understand its credit level by inquiring the credit information of the customer. The final review passed. It is precisely because of this that the pre-approval quota does not mean that the loan 100% is successful, and the final approval quota will not be the same as the pre-approval quota, and most of them will be smaller than the pre-approval quota.
But as long as the customer maintains a good personal credit, provides sufficient information when applying, and has the ability to repay the principal and interest of the loan on time, then he can rest assured that the loan can generally be successfully handled.
How to increase the loan amount?
1. Pay attention to your credit history. Personal credit records are paid more and more attention by banks and other lending institutions. When accepting all kinds of loan applications, the bank will check the borrower's personal credit report and decide whether to lend according to his credit status. The key factors affecting personal credit records are overdue credit cards and loans overdue. If the personal credit record is excellent, the bank will give such borrowers a higher loan amount.
2. The type of occupation is also very important. Generally speaking, banks are willing to give credit to civil servants or institutions, large state-owned enterprises, top 500 employees and responsible persons in important positions, such as department heads, managers and technical directors.
3. When making a loan, you can provide certain property as proof of repayment ability, such as local real estate. You can provide real estate license when applying, and you can increase the quota. In this case, the real estate does not need to be mortgaged, just pay a copy of the real estate license, and you can take the original after handling it.
This concludes the introduction of the meaning of pre-approval of bank loans and pre-approval of bank loans. I wonder if you found the information you need from it?