Bian Xiao of this station replied:
Answer, kiss. See if you are a personal loan, a couple loan or a company loan. If it is a personal loan, you need to bring your personal ID card, proof of income and other information to the branch counter to find a staff member to handle it. You can also borrow online on the loan platform APP directly through online channels and provide personal information.
What is the procedure for getting a loan from a bank? Viewpoint 1:
1. The following is the process of housing loan: 1. Borrowers need to consult in advance when handling loans; 2. The bank examines the borrower's purchase contract, agreement and loan application; 3. The bank needs to conceal the insurance policy and title certificate of the mortgaged property of the borrower; 4. The borrower signs a contract with the borrower and notarizes it; 5. The bank transfers the money to a specific house selling or building unit through transfer. 2. The following information is required for housing loan: 1. Borrower's ID card and household registration book; 2. Proof of property rights; 3. The borrower's income certificate; 4. Proof of marital status. If you are married, you need to provide your spouse's ID card, household registration book and marriage certificate. : 1, mortgage, also known as mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. 2. Participants in mortgage loans, including commercial banks that provide credit funds, buyers who ultimately purchase real estate, and property owners, also need to evaluate the participation of companies and mortgage guarantee companies when applying for loans. 3. Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10. In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage has become a way of life closely related to residents' lives. There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.
What is the procedure for getting a loan from a bank? Viewpoint 2:
What is the procedure for getting a loan from a bank? Viewpoint 3:
Generally speaking, the basic conditions for personal loans are as follows: 1. At least 18 years old, with full capacity for civil conduct, valid residence certificate and identity certificate; 2, have a stable legal income and proof, and have the ability to repay interest; 3. When the loan business needs a down payment, it has the ability to pay the full down payment; 4. If the personal loan amount is large, it is necessary to meet the mortgage conditions required by the bank; 5. Applying for a credit loan requires a good reputation; 6. Other conditions meeting the requirements of the bank. Bank loan skills: 1, loan reason: The lender should be frank and clear in the process of applying for a loan, and specify the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record. 2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the greater the possibility of failure. However, this is not what the lender wants. They certainly don't want their loan funds to remain unchanged for half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased. 3. Description of loan: Fill in the application materials in detail, including loan purpose, personal credit record, income source, repayment ability, family income, etc. , to ensure that your loan can be repaid on time whenever and wherever. 4. Repayment: After the loan application is successful, the borrower must repay the loan within the specified time. Don't risk delaying the repayment time, resulting in a bad personal credit record. In addition, relevant departments will try their best to recover overdue loans. What materials need to be submitted: 1, the borrower's valid identity certificate and household registration book; 2, proof of marital status, unmarried people provide proof of unmarried, divorced people provide civil mediation or divorce certificate issued by the court; 3. If you are married, provide your spouse's valid identity document, household registration book and marriage certificate; 4. The borrower's income certificate; 5. If only mortgage loan is available, proof of the rights of the collateral shall be provided, and the sum of the loan amount and the interest during the loan period shall not exceed1/2 of the assessed value of the collateral;
What is the procedure for getting a loan from a bank? Viewpoint 4:
Hello, to apply for a bank loan, the applicant must be at least 18 years old, have full capacity for civil conduct, have a legal and stable income, have a regular job, have repayment ability and determination, and have good personal credit information. If you deal with mortgages, you also need collateral to be valuable. These are the basic conditions. As long as you meet the requirements, you can apply for a loan from the bank. Generally speaking, to apply for a loan, you need to prepare your ID card, residence booklet, work certificate, income certificate, marital status certificate and personal credit report. If you apply for a mortgage loan, you need to prepare the title certificate of the collateral. After the applicant prepares these materials, he goes to the bank to fill in the application form, and then the bank checks the applicant's information and inquires about the personal credit information system. If there is a mortgage, you need to go through the mortgage formalities. After completing all formalities and auditing, the bank will generally transfer the funds to the account designated by the applicant within 10 working days, and the specific lending time shall be subject to the provisions of the bank. Bank loans generally include mortgage loans, housing mortgage loans, credit loans, individual industrial and commercial loans and college students' entrepreneurial loans. Mortgage loan means that the applicant guarantees the collateral and applies for a loan from the bank. Collateral is generally real estate, cars, etc. Because such property is easy to preserve and auction. If the applicant fails to repay the principal and interest as agreed, the bank will collect and auction the collateral. Housing mortgage loan means that the applicant pays the down payment of the house first, and then the bank pays the remaining arrears. The applicant agrees to mortgage the real estate license to the bank and finally repay the debt as agreed. In the process of repayment, the applicant can use the house, but the ownership of the house is in the bank. Applicants who have stable and legal business premises and can provide legal collateral may apply for individual industrial and commercial loans. To apply for a college student entrepreneurship loan, you must be a college student or have excellent academic performance within two years of graduation, and you have not violated the school rules and regulations during your school stay. No matter what kind of loan, the applicant should repay it on time on the repayment date to avoid overdue. Loan is a kind of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, interest subsidies, overdrafts and other borrowing funds. Through loans and monetary funds, banks can meet the social demand for supplementary funds, expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.