The process of applying for personal loan

1. The borrower fills in the application form at the loan handling branch with valid ID, pledge certificate, mortgage certificate and guarantor's guarantee, and the bank will reply to the borrower within 15 days after investigating the borrower's guarantee and credit.

2. After the borrower's application is approved, it shall sign a loan contract and corresponding guarantee contract with the bank.

3. During the validity period of the credit line and the available credit line, the borrower can use it at any time. When using it, he should fill in the loan to use a single loan. The bank will transfer the loan funds into the account agreed in the contract.

4. The borrower can recycle the loan within the validity period of the loan amount, and the available amount is the difference between the loan amount approved by the bank and the principal balance of each loan under the loan amount. After the borrower withdraws the loan every time, the available amount will be deducted accordingly, and after the borrower returns the loan principal every time, the available amount will increase accordingly.

5. Before the limit expires, the borrower shall pay off all the loan principal and interest under the limit, and go through the formalities of mortgage and pledge registration cancellation at the bank within 20 days after paying off the loan principal and interest, and the Loan Contract signed by the borrower and the bank will automatically terminate.

Extended data:

Personal loan type

I. Personal housing loans

1 Personal housing commercial loan Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank for repayment of the loan with the purchased property housing as a guarantee when purchasing the urban self-occupied housing in this city.

2, personal housing provident fund loans

Personal housing provident fund loans are entrusted loans issued by policy housing provident fund. When employees who pay housing provident fund buy, build, renovate or overhaul their own houses in cities and towns in this city, they apply for housing provident fund loans from banks with their own property houses as collateral.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can apply for personal housing provident fund loans from banks at the same time, that is, borrowers can apply for personal housing provident fund loans and personal housing commercial loans from banks with the purchased urban self-occupied housing as collateral.

Second, personal automobile consumption loans.

Third, personal durable consumer goods loans.

Fourth, personal business loans.

Verb (abbreviation for verb) valuable personal document

Intransitive verb personal micro-credit

Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit status without providing guarantees. Based on personal credit and repayment ability, the amount generally does not exceed 65,438+0-200,000, and the loan term ranges from 65,438+0-2 years.

Seven, personal non residential mortgage loans

1, installment loan

2. Repay the loan in one lump sum