If you apply for a loan through our bank, the loan handling bank will generally review the loan purpose of the customer first (different loan products correspond to different purposes), and the loan purpose can only be applied if it meets the requirements. At the same time, it will comprehensively evaluate factors such as collateral, personal credit and repayment. In addition, the loan interest rate, amount, term and other factors need to be priced in combination with the comprehensive factors such as the business type, credit status and guarantee method you apply for, and can only be determined after approval by the handling outlets.

Take the consumer loan in Shenzhen as an example: general customers need to use the settled property with complete documents as collateral to apply for personal or family loans for legitimate consumption purposes, such as car purchase, decoration, education, bulk shopping and tourism. The personal consumption loan/credit line of a single loan shall not exceed the transaction price specified in the provided use information, and shall not exceed 2 million yuan (inclusive). Where commercial housing is used as collateral, the mortgage rate shall not exceed 70% of the present value of real estate appraisal.

At that time, please refer to the audit results of the loan handling bank. If you have any other questions, please visit "Online Customer Service" (website: /cmu/icslogin.aspx? From=B If you choose mortgage guarantee, you need to sign a mortgage loan contract; If you choose the pledge guarantee method, you need to sign a pledge loan contract. Guarantee process: if guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage procedures; If mortgage guarantee is selected, the borrower shall go through mortgage insurance procedures; Where a pledge guarantee is selected, the bank shall go through the pledge formalities. Approval process: Housing Provident Fund Management Center approves loan materials. Transfer process: the borrower goes to the loan bank to handle the transfer procedures. Materials to be submitted by individuals applying for provident fund housing loans: 1. Copy of the applicant's ID card. Applicant's household registration book (including home page and copy of home page) 3. Original income certificate of the applicant. 6 originals of the applicant's provident fund deposit certificate. 6 original purchase contract and purchase down payment invoice. If you are married, you need to provide the above materials and a copy of your spouse's marriage certificate. 7. Copy of the house sales license. Copy of land use certificate. Procedures for handling provident fund housing loans: 1. The management center shall review the application materials, and sign a loan contract according to the loan approval form if it meets the loan conditions. 2. Go through the guarantee formalities with the guarantee company and sign the mortgage contract. 3. Sign the bank receipt and entrusted deduction agreement with the entrusted bank. 4. The management center entrusts the bank to transfer the loan funds into the seller's account. 5. The guarantee company handles the mortgage registration formalities for the lender.

3. What are the procedures for a large loan?

Basic rules: according to. Loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct. The sum of the borrower's age and loan term basically does not exceed the limit of Gao Lu's credit line. 3. Loan term: The loan term is generally implemented according to the loan interest rates of the first to third banks; 5. Guarantee method: the guarantee is mortgage, pledge, guarantee, etc., and the guarantee provided solely by a third party is not accepted. Lu. Within the repayment party, you can pay interest at will every month, repay the principal and interest in equal amount, repay the principal in equal amount, and so on. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower, and the materials include the loan: (1) loan household registration book or valid residence certificate, residence address certificate and marital status certificate; (2) Proof of the borrower's spouse's commitment to repayment; (three) the production and operation business license, the implementation of the license system, should provide the original and copy of the relevant license; The original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement; (four) proof of the purpose of the loan (such as the purchase contract, etc.). ); (5) the tax payment certificate of production and business activities; (Land) The borrower has obtained the profit certificate, the list of mortgaged (pledged) goods and the ownership certificate, the written documents of the owner and the property agreed to be pledged or mortgaged. (Paint) Opinions approved by the bank) Other information required by the bank. Processing flow: according to customer's application. The customer applies to the bank and fills in the application form in writing, which is consistent with the contract. After the bank submits it to the borrower, the two parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate; Three. Issue loans. All loans approved by the bank are paid to the personal settlement account designated by the borrower by hand.

4. What are the procedures for a large loan of postal savings?

It is suggested that China Postal Savings Bank apply for a loan of less than 654.38 million yuan. The loan amount of Agricultural Bank is 50,000 yuan, and the loan amount of merchants can reach 654.38+10,000 yuan. Application materials: 1. Application form; 2. Original and photocopy of valid identity documents; 3. Proof of local permanent residence or business residence for one year; 4. Other materials required for handling loans. To apply for a merchant, you also need to provide: 1, the original and photocopy of the business license that has passed the annual inspection (according to the regulations of the industrial and commercial department, it is not necessary to provide a business license); Engaged in franchising, it shall also provide the original and photocopy of the business license of the relevant administrative department; 2. If the property right certificate or lease contract (agreement) of the business premises cannot be provided, the property right and lease relationship of the business premises shall be confirmed through a third party; If there is no property right certificate in rural areas, it may not be provided.