The bank will review the information you provide. Generally speaking, if you meet the bank's loan credit standard, the information provided is true, and there is no problem with your personal credit, you can certainly do this.
Loan buyers need to wait for the approval of the bank after submitting the information. Generally speaking, banks will conduct the following audits.
First, the borrower qualification examination
A have local permanent residency or local valid residence status.
B has a stable and legal source of income and the ability to repay the principal and interest of the loan on schedule.
C. Be law-abiding, with good moral character, good personal credit status and no bad credit record.
D being able to provide the guarantee recognized by the lending institution or having the credit qualification recognized by the bank.
Second, review the materials.
After receiving the application materials from customers, the handling personnel of the lending institution shall check whether the materials are complete according to the contents listed in the list, and conduct a preliminary examination on the completeness, standardization and authenticity of the materials. Specific review requirements are as follows
A. Whether the submitted information is complete and whether the elements meet the requirements of the bank.
B. Whether the identity documents of the customer, guarantor, pledger and mortgagor are true and valid.
C. ensure whether the materials meet the requirements.
All materials should be verified by the handling personnel, and all copies should be consistent with the original.
If the information submitted by customers is incomplete or does not conform to the specifications, they should be required to fill in the information in time or provide it again.
Three, after the preliminary examination meets the requirements, the handling personnel shall conduct a pre-loan investigation on the loan application form, application materials list and other pre-loan investigators.
1, pre-lending investigation
Pre-loan investigation is a comprehensive evaluation of customers' overall credit status and loan risk status, and finally forms a comprehensive evaluation opinion on loans. The pre-loan investigation should follow the principles of objectivity, science and fairness, and adopt the principle of combining quantitative and qualitative analysis.
The main means of pre-lending investigation include borrower interview, telephone interview, field investigation and information inquiry, and at least one of them must be used in pre-lending investigation.
content include
Personal basic situation survey
Credit investigation of the borrower
Investigate the borrower's assets and liabilities
Investigation on loan purpose and repayment source
E. Investigation of guarantee methods
2. Write a survey report
After the pre-loan investigation is completed, the investigators should sort out and analyze the investigation results and fill in the pre-loan questionnaire. The pre-loan questionnaire includes
The way of pre-loan investigation
B the borrower's loan application, the borrower's repayment ability, repayment willingness, guarantee and other information.
Main risk points and control measures of loans
D. be clearly responsible for the authenticity and integrity of the investigation content.
Four, after the completion of the above report, the investigators fill in the "personal credit business declaration and approval form", put forward the loan amount, loan term, loan interest rate guarantee method, repayment method, loan conditions, payment method and other suggestions, together with the application materials of the pre-loan questionnaire, and send them to the loan auditor for loan review.
1 review
Auditors should conduct a comprehensive and detailed review of the materials provided by the investigators, and review the compliance and rationality of the investigation opinions and loan suggestions put forward by the investigators.
2. Audit content
A customer's qualification, loan conditions, loan purpose, loan amount, loan term, etc. Comply with relevant business management measures.
B. Whether the application materials are complete and whether the content elements filled in the compliance application approval form are complete.
C. Whether the pre-lending questionnaire and individual customer credit evaluation report issued by the pre-lending investigator are objective and detailed.
Verb (abbreviation of verb) The auditor carefully examines the authenticity, completeness and validity of the application materials for approval. If there are omissions and defects in the application materials, investigators should be required to supplement the materials in time and improve the investigation contents until they meet the requirements. Auditors who do not meet the requirements shall sign the audit opinions and return the audit materials.
After the audit is completed, the auditor shall sign the audit opinion on the Personal Credit Business Application Approval Form, affix the official seal of the Credit Operation Department, and send it to the department/personnel with the right to approve the loan together with all application materials.
1, approved
The main contents of the approver
A. Whether the main qualifications and conditions of the borrower are met.
B. Whether the purpose of the loan conforms to the provisions of the Measures for the Administration of Credit Varieties.
Amount, term, interest rate, etc. Whether it complies with the relevant loan measures.
D. Whether the main risk points of the loan fully disclose whether the risk prevention measures are legal and effective.
E. Whether the borrower's credit evaluation and loan scheme are accurate and reasonable.
2. Approval conclusion
There are two kinds: agree and disagree.
A. If the approval conclusion of the meeting is "Yes", it shall meet the approval of the approval leader, and the loan approvers participating in this approval exceed/all agree, and the sum of the votes with the approval conclusion of "Disagree" does not exceed/all the loan approvers or approval leaders participating in this approval disagree.
B. If double-person approval is adopted, the approval conclusion will be agreed only when two loan approvers sign the approval opinions at the same time.