What is the procedure for applying for a loan?
I. Selection of loan products
Choosing a product is the first step in the process of applying for a loan. According to the different needs of users, such as pure credit, mortgage, large amount, small amount, whether to look at credit information, etc. , choose the product that suits you.
There are nearly 100 kinds of loan products in financial supermarkets. By shopping around and cooperating with the professional credit managers introduced to users, we can select the most suitable loan products from all aspects. apply for admission to a school
Second, prepare loan application materials.
What is the procedure for applying for a loan? The second step is to prepare the application materials, as follows:
1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;
3. Provide stable proof of income source, bank flow sheet and labor contract.
4. Other materials that need to be submitted.
It should be noted that the materials required for loan products will be different. For example, credit loans need to provide more assets to prove their repayment ability, some need to provide provident fund payment records, and some need insurance payment records.
Third, apply.
After preparing the above procedures, you can apply for a loan. This varies according to the application channel of each product. For example, some need to download the mobile app, some need to apply on the official WeChat account, some need to apply on the webpage, and some need to contact the service personnel to apply in the store, depending on the product.
Note: Some products may call back, so please keep communication open.