There are two ways to borrow money from the bank:

1. Offline loan: 1. Apply. Prepare relevant materials needed for the loan, including ID card, marriage certificate, household registration book, work certificate, income certificate, etc. Apply for loans and submit materials at the counter of offline business outlets of selected banks. 2. review. The bank reviews the data submitted by users. 3. sign the contract. After approval, the bank signs a loan contract with the borrower. 4. Appropriation. The bank will remit the money to the designated account. 5. Repayment. The borrower repays the loan on time as agreed in the contract.

Second, online lending. In addition, users can also apply for personal credit loans by logging in to the selected bank official website, official WeChat account or mobile banking app.

Usually, applying for a loan in a bank requires users to have good personal credit and sufficient repayment ability to apply. Offline bank loans are generally mortgage loans with a relatively large amount, while online bank loans are generally personal credit loans with a relatively small amount.

How to apply for a personal loan from a bank

Steps for individuals to borrow money from banks:

1. Users need to bring personal ID cards, income certificates, employment certificates and other materials to the bank outlets, apply for loans from the counter staff, and provide application materials as required.

2. After receiving the application materials, the bank staff will evaluate the qualifications of the applicant.

3. After the user passes the bank audit, he signs a loan contract with the bank, stipulating the repayment amount, repayment interest rate, repayment period, etc.

4. After that, the bank will issue loans to individual designated accounts according to the time limit agreed in the loan contract.

Banks mainly examine two aspects of lenders: one is the credit status of lenders, and the other is the income status of lenders. The credit status of the lender will be verified by the bank through the credit report of the Credit Information Center of the People's Bank of China. The lender's income will be audited by the bank through the lender's salary income, fixed assets and family background.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks will put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction, supplement endowment and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" of loan pooling refer to safety, liquidity and efficiency, and are the fundamental principles of loan management in commercial banks. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

How to get a loan from the bank?

There are four main ways for individuals to apply for bank loans: mortgage loans, credit loans and secured loans.

1. Ways for individuals to apply for bank loans: mortgage loans.

Mortgage loan refers to the loan that the borrower obtains from the bank with certain items as the guarantee. Mortgage loan is the most commonly used loan method. Collateral is usually real estate and special movable property, such as real estate, land, machinery and equipment, transportation and so on.

Suitable for the crowd: the borrower's work and income are not stable enough, or the loan amount is relatively high.

Two. Two ways for individuals to apply for bank loans:

Similar to mortgage loan, the main difference between them lies in the different projects guaranteed. Pledged goods are mainly movable property, such as treasury bonds, certificates of deposit, bonds and warehouse receipts.

Three. Ways for individuals to apply for bank loans. unsecured/fiduciary loan

Credit loan refers to the loan issued by the borrower's credit. Borrowers can only borrow with personal credit, without mortgage and guarantee.

Due to the high risk of credit loans, banks have higher requirements for borrowers' credit status and economic prospects. Generally, proof of economic income (salary card or monthly bank account list) is required. The loan amount is generally 5- 10 times of your monthly income. If the borrower is a civil servant, it is possible to get a higher amount.

Suitable for people: the borrower has a stable job and income, and the loan amount is not high.

Four. Ways for individuals to apply for bank loans. Secured loan

Secured loan refers to a loan provided by a third party according to law, and the borrower does not need to provide mortgage (pledge).

Banks rarely issue secured loans to individuals, but generally only to a few staff members of public institutions or individuals with good local reputation, or policy loans.

Suitable for people: staff of public institutions and individuals with good local reputation.

How should I ask the bank?

1. The borrower shall apply to the branch opened by the bank. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license;

2. After receiving the lender's application, the bank will review the lender;

3. Sign a loan contract with the bank through the examination and approval of the bank;

4. The bank lent money, and the lender successfully got the loan.

The above four steps are the general flow of banks. Different banks may have slightly different regulations and submit different materials. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.

Extended data:

Characteristics of:

1, the procedure is simple, the lending process is fast and the procedure is simple. The company's loan procedure is simple, and the loan management is carried out according to the processes of customer application, investigation, mortgage verification, guarantee, loan committee approval, loan contract signing, loan issuance and loan principal and interest recovery.

Generally, it is completed within 7 days from the date of loan acceptance, which is more convenient and faster than bank loans, and the interest is much lower than private lending.

2. The repayment method is flexible. A variety of flexible repayment and interest payment methods, such as equal monthly repayment and interest payment, quarterly interest settlement due, one-time repayment and interest payment or two-time repayment and interest payment, etc.

3. The loan scope is wide. The company mainly serves small and medium-sized enterprises, individual industrial and commercial households and farmers.

4. Flexible marketing methods. The company implements the marketing form without rating and credit under the controllable risk, which breaks the long-term operation mode of formal financial institutions such as commercial banks and has the characteristics of simplicity, efficiency and quickness.

It is beneficial for small and medium-sized enterprises to obtain credit support in time, alleviate the short-term financing difficulties of small and medium-sized enterprises and individual industrial and commercial households, and make up for the shortage between bank loans and private lending to some extent.

The company's loans are of high quality. The high quality of corporate loans is due to the fact that almost all the funds lent by the company are shareholders' own funds, so the audit of loan projects is more cautious; Because the company is privately operated and mainly lends money locally, it can fully understand the borrower and its purpose, so it is conducive to risk control.

6. Low social risk. The company does not raise funds illegally, does not let go, and does not need social idlers to collect loans. Its fund-raising, lending, and loan collection all have their own execution methods, and only loans are not saved, and public deposits are not involved, so the social risk is small.