1. How to apply for a loan from a bank

The following steps can be roughly followed: 1. Prepare the information. Individuals should first prepare the materials needed for loan from the bank, generally including loan application, customer's ID card, household register, income certificate, proof of marital status and other materials (for customers with spouses, spouse's ID card and household register should also be provided). If they are customers with mortgage loans, they need to issue property certificates of collateral; If it is a customer of unsecured loan, it is necessary to provide a good credit record. 2. Apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, submit the relevant materials to the bank for examination, and after the customer pays various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Payment review. 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 review is unqualified, the bank will return the relevant information of the customer and the fees charged. 4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. Then there is bank lending.

2. How to apply for a personal loan from the bank

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

1. The applicant is ready to apply for a loan application form and submit it at the same time

2. The loan bank conducts review and investigation before the loan according to the application materials;

3. The payer and the loan bank sign a loan contract;

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 the loan on time.

Personal application for silver

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

or valid residence status, that is, the borrower is required to have a legal status;

3 income, good credit, yes

4. Some banks will require applicants to apply for their own credit cards or to borrow money from their own banks, and their credit records are good.

5. Some banks also require the provision of units or individuals recognized by the bank as meeting the prescribed conditions and having the ability to compensate, as guarantors to repay the principal and interest of loans and bear joint and several liabilities.

Third, how to apply for a bank loan

The method of applying for a bank loan is as follows: 1. The bank requires the borrower to be between 18 and 65 years old and have full capacity for civil conduct. Some banks have stricter age restrictions, requiring borrowers to be between 22 and 55 years old; 2. Banks have certain requirements for borrowers' credit information. Credit investigation is one of the requirements of almost every bank and every loan method, and excellent credit investigation is very important. 3. The borrower must have a stable job and income. After the bank issues the loan, the biggest worry is that the borrower refuses to repay and is unable to repay. Therefore, before granting loans, banks will definitely examine the work and income of borrowers; 4. If applying for a mortgage loan, the bank must consider the liquidity of the collateral. If the collateral depreciates too quickly or its liquidity is too poor, the bank will not accept it. Legal basis: Article 25 of the General Principles of Loans. If a borrower needs a loan, he shall apply directly to the agency of the host bank or other banks. The borrower shall fill in the Application for Loan, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information; (1) Basic information of the borrower and the guarantor; (two) the financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for a loan; (three) the rectification of the original unreasonable occupation of loans; (4) A list of mortgaged property and pledged property, the certificate of consent of the person who has the right of disposition to mortgage and pledge, and the relevant certification documents that the guarantor intends to agree to guarantee; (5) Project proposal and feasibility report; (6) Other relevant information that the lender deems necessary.