The bank loan process is as follows:

Application: the borrower holds valid identity documents and relevant information required by the bank, fills in the credit application form and applies for credit from the handling bank;

Examination and approval: investigate the borrower's credit status, conduct examination and approval according to procedures, and notify the borrower of the examination and approval results;

Signing a contract: after the application is approved, the borrower and the credit agreement grant the borrower a credit line;

Payment: After obtaining the credit line, the borrower can apply to the handling bank for payment at any time, and the handling bank will release the loan to the borrower's personal account.

Loan process:

1. loan application: the borrower applies for a loan from the local bank. In addition to applying for rural loans, other types of loans should also provide relevant information.

(1) Basic information of the borrower and guarantor;

The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;

(3) Rectification of original unreasonable loans;

(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;

5] Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation: the bank evaluates the credit rating of the borrower.

3. Loan investigation: Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval: The bank shall approve the loan according to the loan management system that separates loan approval from grading approval.

5. Signing a contract: The bank signs a loan contract with the borrower.

6. Loan issuance: The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection: The bank conducts follow-up investigation and inspection on the borrower's execution of the loan contract and operation.

8. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.

How to borrow money online and where to borrow it?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).

Basic conditions for lightning loan application:

1, with China Merchants Bank card;

2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;

3, have the ability to repay the loan on time, no illegal behavior, good credit.

Tips:

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.

3. There are two ways to apply for a loan within the lightning loan limit:

(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.

(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.