Personal credit loan processing flow:

1. Prepare materials needed for bank loan: loan application, borrower's ID card, household registration book, income certificate, marital status certificate and other materials (spouse is necessary, but not necessary).

2. After preparing the relevant materials, the applicant submits the relevant materials to the bank with the loan application form, and the applicant signs a loan contract with the bank.

3. After signing the contract, the bank will begin to examine the qualifications of the lender. If it is a house purchase loan, the bank will conduct a preliminary examination first, 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 submitted by the customer.

After the approval, the bank began to lend money. After the customer's relevant procedures are completed, the staff informs the borrower of the loan amount, term, interest rate and other detailed information, and transfers the money to the customer's account.

Note: Generally, the loan can be completed within three to four working days. It will take at least two weeks. You can apply in the morning at the earliest and receive it in the afternoon.

To apply for a credit loan, the applicant needs to prepare the required information, fill in the application form at the bank, and the bank will review it. After the approval, the two parties sign an agreement, complete other relevant procedures, and finally the bank lends money. The loan amount should be determined according to the evaluation criteria, and the specific amount cannot be predicted. But there is a specific scope, the starting point is 6.5438+0 million yuan, and the maximum is not more than 6.5438+0 million yuan (including 6.5438+0 million yuan).