The process for an individual to apply for a loan from a bank is as follows:

1. The applicant prepares the materials needed for the application, fills in the loan application form at the loan bank, and submits relevant materials at the same time;

2, the loan bank according to the application materials for pre loan review and investigation;

3. After approval, the borrower signs a loan contract with the loan bank;

4. If you apply for a mortgage loan, the borrower also needs to go through mortgage registration and other procedures;

5. After all the formalities are completed, the loan bank issues the loan and the borrower repays it on time.

Conditions for individuals to apply for bank loans:

1, the applicant must be a natural person with full capacity for civil conduct;

2. Having urban permanent residence or valid residence status requires the borrower to have legal status;

3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. Some banks will require applicants to apply for a credit card or loan from the bank, and their credit records are good.

5. Some banks also require assets recognized by the bank to be provided as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory ability are used as guarantors to repay the principal and interest of loans and bear joint and several liabilities.

How to handle the loan from China Bank?

If you handle personal loan business in China Bank, you can do it in the loan management-online application function of our personal online banking and mobile banking. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.

The above contents are for your reference. Please refer to the actual business regulations.

How to handle bank loans? How to handle bank loans?

1. Prepare loan information, which usually includes ID card, marital status, credit information, assets and loan purpose.

2. Apply for a loan from the bank.

3. The bank conducts qualification examination for customers. If the audit fails, you need to resubmit the information. If the review is passed, the loan scheme can be determined.

4. The bank and the borrower reached an agreement on the loan amount, term and interest, and the bank loan manager began to write an investigation report.

5. The risk control part of the bank re-examines the investigation report and customer information, and then carries out the next examination and approval.

6. Bank loans need the approval of the president, and the loan contract can only be signed after the approval.

7. After signing the loan contract, the bank will lend normally.

How to get a loan from the bank?

Legal analysis: The process of applying for a loan from a bank is as follows: 1. Users need to prepare relevant materials; 2. The bank will investigate and evaluate the credit of the lender; Banks will also investigate the lender's loan use to see if it is legal and safe; 3. The bank will approve the loan according to the regulations, and then sign a contract with the borrower before issuing the loan; 4. The bank conducts follow-up investigation on the borrower's contract implementation. After the loan expires, the user needs to repay the principal and interest in time.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

How to apply for a loan in a bank?

The steps to apply for a bank loan are:

1, prepare data;

2. application; 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. After paying various fees, customers need to sign a loan contract with the bank;

3. Payment review;

4. Handling other legal procedures, in addition to the contract, you need to go through some legal procedures;

5. Bank loans.

legal ground

Article 25 of the general principles of loans

If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.