1. Steps of loan in the bank:
(1) A natural person who has reached the age of 18 and has full capacity for civil conduct.
(2) have a stable income, good credit, and the ability to repay the principal and interest of the loan.
(3) Some banks will require applicants to have applied for their own credit cards or borrowed money from their own banks, and have a good credit record.
(4) Some banks also require the provision of work mortgage or pledge recognized by the Bank, or units or individuals that meet the prescribed conditions and have the ability to compensate as guarantors to repay the principal and interest of loans and bear joint and several liabilities.
2. Bank loan steps:
(1) Prepare relevant procedures: The procedures to be submitted for general loans mainly include: loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (if the customer has a spouse, the spouse's ID card and household registration book are also required). If the customer is a mortgage loan, the property right certificate of the collateral shall be provided; If you are a customer with unsecured loans, you need to provide a good credit record.
(2) Apply to the bank: After the customer prepares the relevant materials, he can go to the bank or the law firm entrusted by the bank, submit the relevant materials to the bank and pay various fees, and then the customer needs to sign a loan contract with the bank as a legal document binding both parties.
(3) Approval before the bank lends money: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer.
(4) Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, 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. You need to make an appointment in advance to borrow cash from the bank. Personal loans include: personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, and personal certificate of deposit (national debt) pledge loans. These loans mainly apply for loans from credit loans and mortgage loans, and the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided.