1. How can I borrow money from a bank in my own name?

1. The borrower applies for a loan from the bank and submits the loan application materials; The bank conducts a preliminary examination of the application materials submitted by the borrower; The bank will examine and approve the loan qualifications of borrowers who have passed the preliminary examination and credit investigation; If it is approved, the bank will notify the borrower to sign the contract and go through the relevant procedures such as mortgage or pledge; Banks issue loans after the loan contract comes into effect.

2. Legal basis: Article 35 of People's Republic of China (PRC) Commercial Bank Law.

Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

2. What is the procedure for applying for a bank loan?

The procedures for applying for bank loans are as follows:

1. Prepare relevant procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials. If the customer is a mortgage loan, the property right certificate of the collateral needs to be issued; If it is a customer with unsecured loans, it is necessary to provide a good credit record;

2. Apply to the bank: after preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties;

3. Approval before bank lending: 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 is unqualified, the bank will return the relevant information of the customer and explain the situation to the customer;

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 also needs to go to the relevant department to register the mortgage for future inquiry;

5. Bank loan: After the customer's relevant travel formalities 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.

How do individuals borrow money from banks?

1. What are the requirements for an individual to apply for a bank loan?

1. Individuals applying for bank loans must meet the following conditions:

(1) The individual has full capacity for civil conduct;

(2) The purpose of the loan is clear and legal;

(3) The loan request is reasonable;

(4) Individuals have the willingness and ability to repay;

(5) The personal credit status is good and there is no significant bad credit record.

2. Legal basis: Article 14 of the Interim Measures for the Administration of Personal Loans.

The loan investigation includes but is not limited to the following contents:

(1) Basic information of the borrower;

(2) The income of the borrower;

(3) the purpose of the loan;

(4) The source, ability and method of repayment of the borrower;

(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.

2. What information should be provided for personal loans?

1, identification information. First of all, to apply for a credit card, I need to bring my ID card to the local bank counter, fill out the relevant application and apply for a credit card; If it is from other countries, it is necessary to provide a copy of the mainland pass and a residence permit for more than one year;

2. Proof of work and income. The position provided by the specific company and the income certificate stamped with the seal of the company's financial department;

3. Materials that can prove good economic strength. For example, a copy of the real estate license, a small bank deposit, a copy of the car driving license, etc.

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."