In fact, as long as the contents of the loan contract are not illegal, and the lending institution has issued the loan as agreed in the contract, the loan contract will generally take effect.
Extended data:
Banks can accept unsecured small loans from different provinces; The borrower needs to live and work in the local area for at least half a year and be able to provide all the information needed for bank loans; Bank loans need a stable source of repayment and collateral with good credit information or clear property rights, such as real estate vehicles;
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank.
Requirements for bank loans:
(1) permanent residence of urban residents with full capacity for civil conduct or valid identity documents of 18 years old, and the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Good credit information;
(4) Other conditions required by the lending bank.
The procedure for handling unsecured loans is usually divided into three steps:
(1) Basic information submitted by the customer, including work unit and contact telephone number.
(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.
(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.
Provident fund inter-provincial loan to buy a house:
Whether the provident fund can be used for inter-provincial loans to buy a house mainly depends on whether the housing provident fund management center of the customer's provident fund deposit place and the house purchase place provides off-site provident fund loan business. If so, customers can only use the provident fund to buy houses across provinces.
At that time, the customer only needs to apply for a loan at the housing provident fund management center where the deposit is made, and the staff will confirm the information provided by the customer is true, and issue a certificate of the customer's use of the housing provident fund for the employees who borrowed from other places. Then the customer takes the relevant information to the housing provident fund management center where the house is purchased to apply.
After the information is submitted to the staff, the staff will sort it out and review it. At the same time, the housing provident fund management center of the deposit place will identify the customers' off-site loans and establish a detailed account of off-site loans. After the data is approved, the housing provident fund management center handles the loan procedures for customers and issues loan funds. Follow-up customers should pay attention to repayment on time, and they can understand the mortgage after completion.