1. Submit personal loan application first;

2. After bank acceptance-evaluate the mortgaged property;

3. Review the loan according to the appraised price and the information provided by the borrower;

4. After passing the examination, sign a loan contract with a law firm and handle the mortgage formalities of real estate warrants;

5. Bank loans.

2. The loan application of Harbin Bank has been audited by electricity. What is the next process?

To apply for a bank loan, you need to provide the bank account number of the person in charge of the unit and the legal person. The bank account number needs to be checked and printed at the bank with the unit certificate and personal ID card.

Third, Harbin Bank loan process

First, the process of applying for bank loans.

1. Apply for a loan

According to the national industrial policy, credit policy and relevant systems, combined with the credit scale plan approved by the superior bank and the source of credit funds, the bank carefully examines the enterprise loan application.

2. Loan review

(1) Direct use loan

(2) The operating conditions of the enterprise

(3) the implementation of the enterprise's potential tapping plan, liquidity acceleration plan and liquidity supplementary plan.

④ The development prospect of the enterprise.

⑤ Debt capacity of enterprises

3. Sign a loan contract

The lender will deliver a certain amount of money to the borrower for use according to the agreed purpose, and the agreement that the borrower will repay the principal and interest at maturity is an economic contract. The borrower can sign a loan contract after the application is approved by the lender.

4. Issuing bank loans

After an enterprise applies for a loan, both banks and enterprises should sign relevant loan contracts according to the types of loans. The official seals of the borrower, the lender and the guarantor and the signature of the legal representative are complete and correct. The borrower's loan receipt is a written loan certificate, which can be signed at the same time as the loan contract, and can also be signed at one time or in installments within the amount and effective time stipulated in the contract.

Two. Conditions for applying for a bank loan

1. China citizens with full civil capacity who have a fixed residence in China, a fixed residence (or a valid residence certificate) in a local town, or a fixed business place.

2. Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule.

3. No bad credit record.

4. Loans cannot be used for stock trading, house purchase and gambling.