See what kind of loan it is. At present, there are many projects for bank loans. There are public and private ones. The minimum amount of individual housing loan depends on the work income, work unit and income of the lender. It's a running record of a bank passbook or card. Also check the lender's credit history. See if your past records of various loans or credit cards are good. If you are always late or always in arrears, it will be difficult for the bank to approve your loan. Because as long as you have a credit card or a loan, your credit history will be displayed. More specifically, the credit history is about 2 years.
Second, what is the loan check?
Hello, the three loan checks include: pre-loan investigation, in-loan review and post-loan inspection. Generally speaking, the "three checks" system of loans refers to pre-loan investigation, in-loan examination and post-loan examination. Through the implementation of "three checks" on loans, it is conducive to ensuring the safety of bank credit funds. At the same time, if there are risks in the loan, the "three investigations" can be used as an important basis for investigating or exempting the relevant responsible personnel. 1. Among them, pre-lending survey means that in order to prepare for granting loans to enterprises, banks need to investigate and study the production, supply and marketing, production and operation, turnover and capital occupation of enterprises that have business dealings with banks, and banks also need to investigate and predict market demand. Pre-loan investigation can promote the correct decision-making of loans and ensure the reasonable investment of credit funds. 2. Loan review refers to the bank's investigation and study, fully grasping the enterprise and market situation, and examining whether the loan is reasonable according to the enterprise's loan plan, and deciding whether to lend; Determine the loan term according to the turnover period of the capital plan; According to the level of sales capital rate and the requirements of the state for accelerating enterprises, more loans and less loans are determined. 3. Post-loan inspection refers to the inspection and evaluation of the bank's use of funds, loan repayment and loan economic benefits after the borrowing enterprise obtains the loan. We can find the problems in the process of loan in time, correct them quickly, sum up the experience and lessons, and prepare for the next loan work of the bank. It is the continuation and supplement of the investigation and review. The three checks on loans are interrelated, mutually restricted and mutually promoted. : 1. What is a loan loan is a form of credit activity that 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 put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Two: loan principles "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. 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." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, issuing long-term loans, the interest rate is higher than short-term loans, and the income is good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that the loan will not go wrong.
3. What are the basic contents of pre-lending investigation, in-lending examination and post-lending examination in the credit business of commercial banks?
What banks call the "three-check system for loans": pre-loan investigation, in-loan examination and post-loan examination.
The so-called pre-loan investigation is to systematically investigate the income, repayment source and guarantee of the loan before issuing the loan;
Loan review refers to that when granting loans, after detailed pre-loan investigation by the loan investigator, the relevant information and investigation report of the borrower's application for loans are provided to the audit department, and then the loan examiner conducts strict review;
Post-loan inspection is to follow up the borrower regularly after the loan is issued to ensure the safety of the loan.
4. What are the basic contents of pre-lending investigation, in-lending examination and post-lending examination in the credit business of commercial banks?
Pre-loan investigation: it is the loan officer's understanding and analysis of the loan enterprise. Loan evaluation: it is to look at the analysis of enterprise's loan ability and repayment ability. Post-lending inspection: it is a follow-up investigation of enterprises after lending to see if they have operational risks and financial winds.