With the development of economy and network, there are various forms of loans. People have got rid of traditional bank loans and started to borrow online. Online lending has an extremely convenient loan mode and method. People can successfully lend money through online loans as long as they shake their heads at home. However, whether it is online loan or bank loan, the signing of online loan contract is an electronic contract, while bank loan is generally a paper contract and kept on file.

First, if there is a loan demand, it is best to sign a loan contract with the bank.

Looking at the network, although there are many online loans, online routine loans emerge one after another. If you are not careful, you will easily fall into a routine loan. One link after another makes people unable to pay off their accounts. Different from online loans, bank loans have been very mature for so many years, and their loan contracts are protected by national laws. There will be no overlord clause or routine clause when signing the contract, and the lender can sign the contract with the bank with great confidence.

Second, plan funds rationally and remember not to lend blindly.

With the development of credit society, personal credit has become very important. If you need a loan, be careful whether your personal credit information will be affected by overdue. After the personal loan, the loan information will be uploaded to the national credit information hall simultaneously, and whether the repayment is timely will be reflected in the personal credit information. Therefore, everyone should pay attention to good personal credit information when repaying, and don't overdue, report late or evade repayment.

Third, matters needing attention in signing the contract.

There are still some precautions when signing the contract. We should attach great importance to it. First of all, it depends on whether the repayment period matches the personal repayment time, whether the loan amount is required in the loan amount, and whether the loan is required to pay other expenses in the contract. When signing a contract, you should also look at the interest rate, which is divided into daily interest rate, monthly interest rate and annual interest rate. We need to know clearly and ask questions in time if we don't understand.

What contract does a bank loan need to sign? These are indispensable!

There are many credit businesses under the banner of banks and financial institutions. No matter what users can find their own loan products, once their loan willingness and qualifications are determined, they need to sign a loan contract. Different loan products have different contracts. Let's briefly introduce the relevant content today.

I. Bank loan contract

Because there are many contents involved in lending, there are many types of contracts. Generally speaking, we divide loan contracts into master contracts and slave contracts. When doing personal loan business, the borrower and the bank need to sign a loan contract, which is the main contract. Everyone must take it seriously and check it carefully. In addition, there are some receipts and invoices. As an integral part of the main contract, these materials should be properly kept.

1. If it is a mortgage loan, the mortgagor and the bank sign a mortgage contract.

2. If the loan is secured by pledge, the pledger shall sign a pledge contract with the bank; if the loan is secured by guarantee, the guarantor shall sign a guarantee contract with the bank. In addition, the List of Collaterals and the List of Pledges are annexes to the Mortgage Contract and the Pledge Contract respectively.

Second, matters needing attention

In personal loans, both the main contract and the attached contract are very important. For example, in the housing loan business, the loan terms, mortgage terms and guarantee terms are all contained in one contract, and the loan contract is signed by the borrower, the mortgagor (with the property certificate) and the guarantor (usually the developer).

According to the requirements of the mortgage (pledge) registration department, the borrower needs to sign the contract text required by the mortgage (pledge) registration department in addition to the contract text with the bank. For example, when handling mortgage registration, you should also sign the mortgage contract text provided by the housing management department.

Do I need to sign a contract to apply for a loan?

According to the relevant laws and regulations of our country, the loan contract, guarantee contract and entrusted deduction agreement must be signed when the loan comes down, so as to open an account and use the loan. After the loan comes down, the borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

legal ground

Article 25 If a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial report of the previous year approved by the financial department or accounting firm, and the previous financial report before applying for a loan; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender.