The process of handling bank loans:
The borrower applies for a loan;
Prepare loan related materials;
Account manager loan survey;
Bank approval;
Both parties sign a loan contract;
The execution of mortgage, pledge, unsecured contract or other guarantee contract;
Bank loans;
Post-loan management;
Repay the principal and interest when the loan is due.
Conditions for applying for loan business:
Natural person with age 18-65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit information and no bad records;
Other conditions stipulated by the bank.
Materials to be prepared for the loan:
Identity cards of both husband and wife of the borrower;
The borrower's household registration book/foreigner needs temporary residence permit and household registration book;
Marriage certificate/divorce certificate or court judgment/single certificate;
Proof of income;
Academic certificate;
Bank flowing water;
Other attributes;
Copy of the business license of the unit (with official seal);
Large deposit certificates, etc. ;
If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements;
Other information required by the bank.