2. The process of applying for a loan from a bank:

(1) Prepare data. First of all, prepare the information needed to borrow money from the bank. Including loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (the customer with a spouse also needs to provide spouse ID card and household registration book). If the customer is a mortgage loan, it is necessary to issue a certificate of property rights of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

2 apply. After the relevant materials are prepared, the customer can apply for a loan at the bank or the law firm entrusted by the bank and submit the relevant materials to the bank for review. After the customer pays various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.

(3) Payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the review fails, the bank will refund the relevant information of the customer and the fees charged.

(4) Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register the mortgage in the bank for future inquiry.

⑤ Bank loan. After the customer's relevant procedures are completed, the bank will approve the loan according to the borrower's evaluation or submit it to the superior for approval. Subsequently, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

Extended data:

Loan repayment method:

(1) Matching principal and interest repayment method: that is, the sum of loan principal and interest is repaid by monthly matching repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. In this way, the monthly repayment amount is the same;

(2) Equal principal repayment: a repayment method in which the borrower distributes the loan amount to each installment (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, in which the repayment amount and repayment period change, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.

(5) Repayment of all loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: the interest after borrowing is calculated on a daily basis, and the interest is calculated on a daily basis. You can pay the money in one lump sum at any time without paying a fine.

References:

Baidu Encyclopedia: Loan