Steps for individuals to borrow money from banks:
1. Users need to bring personal ID cards, income certificates, employment certificates and other materials to the bank outlets, apply for loans from the counter staff, and provide application materials as required.
2. After receiving the application materials, the bank staff will evaluate the qualifications of the applicant.
3. After the user passes the bank audit, he signs a loan contract with the bank, stipulating the repayment amount, repayment interest rate, repayment period, etc.
4. After that, the bank will issue loans to individual designated accounts according to the time limit agreed in the loan contract.
Banks mainly examine two aspects of lenders: one is the credit status of lenders, and the other is the income status of lenders. The credit status of the lender will be verified by the bank through the credit report of the Credit Information Center of the People's Bank of China. The lender's income will be audited by the bank through the lender's salary income, fixed assets and family background.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks will put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction, supplement endowment and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" of loan pooling refer to safety, liquidity and efficiency, and are the fundamental principles of loan management in commercial banks. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
How to apply for a loan from a bank
The steps to apply for a bank loan are:
1, prepare data;
2. application; After the relevant materials are prepared, the customer can apply for a loan at the bank or the law firm entrusted by the bank and submit the relevant materials to the bank. After paying various fees, customers need to sign a loan contract with the bank;
3. Payment review;
4. Handling other legal procedures, in addition to the contract, you need to go through some legal procedures;
5. Bank loans.
legal ground
Article 25 of the general principles of loans
If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
1. Basic information of the borrower and guarantor;
Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;
Three, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;
Verb (abbreviation of verb) project proposal and feasibility report;
Other relevant information deemed necessary by the lender.
How to apply for a bank loan
First of all, the borrower should apply to the bank outlet. When applying, the borrower should bring his ID card and other relevant information, and if he is a merchant, he should also bring his business license.
Second, the bank will investigate the lender after receiving the lender's application. The bank mainly examines the personal credit status and personal income status of the lender to decide whether to lend money.
Third, after investigation and approval by the bank, sign a loan contract with the bank.
Fourth, banks lend money, and lenders get loans smoothly.
The above is just the general process of banks. The regulations of different banks may be slightly different, and the information to be submitted may also be different. Therefore, people who want to borrow money can go to the website or outlet of the loan bank for special consultation to ensure that they can get the loan smoothly. In addition, in order to avoid loan risks, banks will require lenders to meet certain conditions, such as age, income level and repayment ability.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.