At present, Changsha Bank has a large number of loan products, including personal business loans, personal consumption loans and personal housing loans. Because the loan products are different, the loan application methods are also different. The following is the processing flow of personal business loans and personal consumption loans.
Personal business loan processing flow
1. Submit the loan application to the business outlets of Changsha Bank and submit the necessary loan information (ID card). , collateral ownership certificate, etc. );
2. It usually takes 3-4 weeks to wait for the staff of Changsha Bank to conduct loan investigation and loan approval;
After the loan is approved, everyone can go to the business outlets to sign a formal contract and wait for the next payment.
Personal consumption loan handling process
1. Fill in the loan application form at the business outlets of Changsha Bank, and provide application materials such as collateral certificate and consumer use certificate;
2. Wait for the account manager of Changsha Bank to investigate the borrower and approve it according to the procedures;
3. After approval, the borrower needs to sign a loan contract, a guarantee contract and handle a mortgage contract;
After all the formalities are completed, everyone can get a loan.