The borrower applies for a loan from our company, and the business department understands and preliminarily examines the basic information such as the purpose of the loan, the payment term, the source and way of repayment. According to the materials provided by the borrower.
Those who meet the loan conditions shall go through the formalities of examination and approval and lending.
2. Check:
After the business department has passed the preliminary examination, the borrower of the risk management force will check it.
(1) Inquiring about credit records: Individual customers can inquire about whether the credit records of borrowers (married including spouses) are bad through banks, and corporate customers can inquire about borrowing enterprises through China Enterprise Network.
Whether it is operating normally, check whether the borrower has a lawsuit through China Court Network; Housing mortgage needs to implement the collateral situation on the spot and ask about the value of the intermediary property.
(2) Check the loan approval (original) of the borrower's loan bank or the guarantee implementation of the guarantee company (our company recognizes Zhongguancun and the Capital Guarantee Company).
3. Certification: Go to the notary office for loan, entrustment and notarization of ID card.
4. Internal examination and approval: After the borrower's relevant materials are fully prepared, they will be submitted to relevant departments for examination and approval, and the leaders of each department will sign the examination and approval form.
5. Signing the Contract: The Legal Department arranges and witnesses the borrower to sign the loan contract, intermediary service agreement, house sales contract, house purchase receipt, non-lease certificate and other related materials.
6. Payment application: after approval, fill in the payment voucher and submit the payment application to the company's finance department to determine the amount and time of the bridge-crossing funds and the overdue penalty interest rate.
Bridge loan, also known as bridge loan, means that financial institution A cannot operate due to temporary lack of funds after receiving the loan project, so it consults financial institution B and asks it to help allocate funds. After the funds of financial institution A are in place, B quits. For B, this loan is the so-called bridge loan. In China, policy banks such as CDB/ Exim Bank/Agricultural Development Bank play the role of financial institution A, while commercial banks play the role of financial institution B. ..