When issuing a loan certificate, you need to bring the income certificate issued by the unit and the personal loan related information issued by the bank to the loan bank.
Specific steps:
1. Income certificate: To issue an income certificate, the lender needs to ask the financial department or human resources department of the unit to issue an income certificate in the format specified by the bank. The main information on the certificate includes monthly income, working years, insurance, etc.
2. Bank running water: The bank running water certificate requires the lender to bring his identity certificate and print it at the bank counter where the personal account is opened. The term varies according to the requirements of the lending bank, and the time period of running water certificate ranges from 6 months to 24 months;
Loan requirements: 1. The lender is required to be a citizen of China, under the age of 65, with full capacity for civil conduct in the place where the loan bank is located, and have permanent residence and proof of permanent residence;
2. Require the lender to have a legal occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
3. Require the lender to have a good personal credit record, strong repayment ability and no credit stain on the personal credit report;
4. Require the lender to provide legal and effective guarantee recognized by the bank;
5. Lenders should give the bank a clear loan purpose in line with national laws and regulations before lending.
Note: 1. On the income certificate issued by the unit, it is best that the monthly income is twice the monthly repayment amount, otherwise it is difficult to get a loan; 2. The bank running water certificate required to issue the loan certificate is not that the bigger the running water, the better. Banks pay more attention to the balance entry. The bank's loan amount will also fluctuate according to other property certificates, such as car driving license, time deposit certificate, house lease certificate, etc. , which can be used as proof that the lender has sufficient repayment ability.
How to open the loan repayment certificate?
The payment method of repayment voucher is:
1. Loan applied in a bank: you need to bring your personal ID card and bank card to the bank that handles the loan, and then ask the staff to help print the repayment record voucher;
2. Loans applied for on the online lending platform: You need to contact the staff of the platform and ask the staff to send the settlement voucher to your mailbox, and then download and print it.
Take Ant Borrowing as an example: to print the settlement voucher, you can click "My-Ant Borrowing-My Loan Record-Loan Voucher" in Alipay in turn, and then print it according to the page prompts.
How to open the loan certificate of Agricultural Bank?
There are three ways to prove bank loans: 1. Bring your personal ID card to the business outlet of the loan bank, and the staff of the outlet will inquire and issue the loan certificate. 2. You can enter ID card information on the bank self-service business processing machine, and view and print personal loans. 3. You can log on to the online banking platform of the loan bank and query personal account information in online banking. If there is a loan, it will be fully reflected on the online banking page.
Customers are advised to choose formal banking channels to apply for loans, such as ABC's "Netjet Loan". Netjet loan refers to a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions, with self-application, quick receipt and self-credit. Online lending has realized the processes of self-service application, automatic approval, online signing of credit contract and self-service credit use. The application process is as follows: (1) The borrower logs into the online channels (personal online banking and handheld banking) designated by Agricultural Bank of China, and enters the "Netjet Loan" application interface. (2) The borrower understands the product situation, basic loan conditions and handling procedures of NetJet Loan. (three) fill in the basic information, the proposed loan period, loan and repayment account, mailing address, etc. (4) The system verifies the validity of the mobile phone number. (5) Signing the Power of Attorney for Personal Credit Business online. (six) to confirm the loan information, the amount and purpose of the loan application. (7) After the applicant reads and signs the Personal Self-help Micro-credit Consumer Loan Contract online and completely fills in the application information, he submits the loan application. The maximum loan amount is 300,000 yuan and the minimum is 3,000 yuan; The specific amount of the customer will be approved according to the customer's business situation in ABC.
Loan certificates are generally divided into loan certificates for studying abroad and credit certificates.
Where can I get the proof of personal loan? Divide these situations!
To borrow money from any financial institution, all kinds of application materials are required. Some certificates need to be issued in advance, so where can I get the certificates needed for personal loans? Here, I suggest you go to the lending institution to consult the staff first, and the other party will tell you what information you need to prepare. Here, let's briefly introduce it.
1, ID card.
This is the most important information for applying for a loan. Without an identity card, there is no formal institution to handle loan business. Now you generally need a second-generation ID card.
Issuing channel: If it is a local account, it can be reissued at the local police station.
2. Proof of marital status.
Married people provide proof materials of both husband and wife, which can improve the success rate of loans and the amount will be higher, so it is necessary to prepare marriage certificates or divorce certificates.
Distribution channel: issued by the Civil Affairs Bureau at the time of marriage. If it is lost, you can take the information to the local marriage registry to reissue it.
3. Proof of repayment.
1) proof of income. You need to find a work unit to issue a proof of income and affix a fresh seal of the unit. Each organization has different format requirements, so it is best to consult clearly before issuing, so as not to meet the requirements.
2) Banks are on the move. Generally, you need to provide six months of bank running water, and you need to go to the bank to print it yourself. You can apply at the counter. Some banks can also use self-service machines to print.
3) Other certificates. There are also some materials that can also reflect the borrower's financial situation, such as housing provident fund deposit list, housing lease contract, real estate license, deposit certificate, insurance policy, education certificate and so on. , can be provided to lending institutions according to the situation.
4. Proof of loan use.
Whether it is a loan to buy a house, buy a car or decorate, you need to issue relevant certificates. You can go directly to the consumer institutions to handle business and provide contracts or agreements to the loan platform.