Bank personal loan process

1, prepare data

The borrower shall prepare the loan materials required for the loan before the loan, generally including the loan application, valid identity documents, household registration book, income certificate, marriage certificate and other materials. If it is a mortgage customer, it is also necessary to issue a certificate of property rights of the collateral; If you are a credit loan customer, you need to provide a good credit record.

Step 2 submit an application

After preparing the loan information, you can submit a loan application to the bank, and the bank will sign a loan contract with the bank after review.

3. Waiting for review

In the case of mortgage loan, the bank will conduct a preliminary examination of the loan application submitted by the customer. If the loan conditions are met, the bank will approve the loan. If it fails, the bank will return the relevant information submitted by the customer.

Step 4 go through the formalities

If it is a mortgage loan, then the customer needs to register the mortgage in the bank for future inquiry; In addition, if the customer wishes, he can also entrust a law firm to handle insurance and notarization on his behalf.

5. Bank loans

After the customer is approved by the bank, the bank will sign a loan contract with the customer, stipulate the loan amount, loan term and loan interest rate, and transfer the loan to the customer's account.

How to apply for a personal bank loan

The process for an individual to apply for a loan from a bank is as follows:

1. The applicant prepares the materials needed for the application, fills in the loan application form at the loan bank, and submits relevant materials at the same time;

2, the loan bank according to the application materials for pre loan review and investigation;

3. After approval, the borrower signs a loan contract with the loan bank;

4. If you apply for a mortgage loan, the borrower also needs to go through mortgage registration and other procedures;

5. After all the formalities are completed, the loan bank issues the loan and the borrower repays it on time.

Conditions for individuals to apply for bank loans:

1. The applicant must be a natural person with full capacity for civil conduct;

2. Having urban permanent residence or valid residence status requires the borrower to have legal status;

3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. Some banks will require applicants to apply for a credit card or loan from the bank, and their credit records are good.

5. Some banks also require assets recognized by the bank to be provided as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory ability are used as guarantors to repay the principal and interest of loans and bear joint and several liabilities.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply. So it needs to be clear that although everyone can get a loan from the bank, not everyone can get a loan successfully.

How to borrow personal loans from banks?

First, the bank personal loan process

1. Prepare relevant procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also required). Customers with mortgage loans need to provide property certificates of collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

2. Apply to the bank: After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.

3. Approval before bank lending: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer.

4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is the customer bank loan interest rate network of mortgage loan, the customer also needs to go to the relevant department to register the mortgage for future inquiry.

5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

Second, the materials that individuals need to borrow from banks.

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Extended data:

Classification of short-term loans

1. Operating revolving loan:

Loans obtained from banks or other financial institutions for production and operation. When handling loans, enterprises should submit annual and quarterly loan plans to banks in accordance with relevant regulations. After approval by banks, borrowers in the loan plans can handle loans with loan receipts.

2. Temporary loans:

Due to seasonal and temporary objective reasons, the normal capital turnover can not meet the needs, and more than short-term loans are included in production turnover or commodity turnover. Temporary loans are subject to the "one-by-one nuclear loan" method. The loan term is generally 3 to 6 months, used according to the specified purposes and returned according to the accounting period.

3. Loan settlement:

For bank collection, you can apply for collection and acceptance of settlement loans. The loan amount is usually calculated according to the collection amount and the agreed discount rate, which is roughly equivalent to the cost of selling goods plus prepaid transportation and miscellaneous fees. After the enterprise's payment is recovered, the bank will deduct its loan by itself.

4. Seller's credit:

Enterprises whose products are listed in the national plan and whose quality is in the leading position in the whole country apply for loans from banks because of insufficient bonuses for installment sales, production and operation. This kind of loan should be repaid in installments according to the repayment progress, and the term is generally 1 to 2 years.

5. Prepaid deposit loan:

Funds borrowed from banks by commercial enterprises for purchasing agricultural and sideline products and issuing advance payment. Such loans are issued according to the varieties stipulated by the state and the approved plans, and special account management is implemented. The longest loan term shall not exceed 1 year.

6. Special reserve loans:

Money borrowed from banks by commercial wholesale enterprises approved by the state for reserve commodities. This kind of loan must be earmarked, and the loan period is determined according to the approved reserve period.

7. Discounted bill loans:

When bank acceptance bills or commercial acceptance bills have difficulties in operating turnover, the time limit for applying for bill discount loans is generally not more than 3 months. If the current loan amount is generally the face value of the ticket minus the discount interest, then the interest of the discounted loan is the discount interest of the bill, which is deducted by the bank at the time of discount.