Bank loan approval process: 1, contact. Either the customer asks the bank, or the account manager takes the initiative to come to the door. In short, the first step is for customers to make initial contact with banks to show their financing needs. 2. Pre-lending investigation. After contact, the bank will conduct a pre-loan investigation and collect relevant information, including basic information of customers, basic information of affiliated enterprises, basic information of projects, development prospects, policy or industry environment, information of potential guarantors or things and so on. 3. Program negotiation. 4. Loan review. After discussing the scheme and writing the investigation report, all business data will be submitted to the risk control department for review. 5. Loan review meeting (not required): Some projects are relatively large, or the business is relatively special, or there are special management requirements, and a loan review meeting will be held for collective deliberation. 6. Loan approval: After the risk control review (reviewed by the loan review committee) is passed, the business needs to be submitted to the owner (usually the president or authorized vice president, and some banks have independent approvers) for approval. 7. Sign the contract and go through the formalities: After the approval, the customer and the bank sign the relevant contract and complete the mortgage and other formalities, so they can wait for the loan. 8. loan review: 9. Post-loan management 10. Recovery: When the loan is due, the principal and interest are recovered on time, and a business is successfully concluded. Everyone is relieved.

What is the bank loan process?

The process of bank loan is: 1. The applicant submits an online loan application at the bank. 2. The platform reviews the materials submitted by the applicant, such as the authenticity of the materials submitted by the applicant, the flow direction of the applicant's bank card, and whether it meets the loan conditions. 3. The platform pays a return visit, and the platform staff will pay a telephone return visit to the applicant to further verify the applicant's situation. 4. Sign the contract after the platform is approved. 5. issue loans.

What is the process of personal loan to the bank?

Step 1, the borrower applies for a loan from the bank and submits the information needed for the loan;

The second step, the bank accepts the loan and conducts examination and approval to see if it meets the loan conditions;

Step 3: After approval, the borrower signs a loan contract with the bank. Contracts include guarantee contracts, mortgage contracts, etc.

Step four, after signing the contract, go through the mortgage registration formalities;

Step 5, the bank issues loans to borrowers;

Step 6, the borrower repays in full and on time;

Step 7: After the loan is settled, go through the mortgage cancellation procedures.

Personal bank loans are small, short-term or long-term RMB loans provided by banks to customers for legitimate business activities.

Loan object condition

1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland;

2. Pay the down payment (not less than 30% of the total purchase price);

3. Have a stable economic income and the ability to repay the loan principal and interest;

4. Agree to use the purchased property as loan collateral.

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

4. Information provided: ID card, household registration book, proof of marital status, proof of income, real estate license, ID card, household registration book, proof of marital status of guarantor and other relevant information required by the bank.

You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee.

Bank loan process

Bank loan process: 1. The applicant applied for a loan from the bank. Eligible applicants need to submit relevant information required for bank loans. 2. The bank evaluates the borrower's credit rating and verifies the authenticity of relevant information. 3. Banks investigate the legitimacy, safety and profitability of borrowers. 4. Loan approval. If the loan conditions are met, the bank will approve the loan and loan amount. 5. The bank signs a loan contract with the borrower. 6. The bank issues loans on time according to the provisions of the loan contract. 7. Loan repayment. The borrower needs to repay the loan principal and interest in full and on time according to the contract. If it wants to extend the loan, it should apply to the bank for extending the loan before the loan maturity date, and the bank will decide whether to extend the loan.

Legal basis: Interim Measures for Personal Loans

Article 11

To apply for a personal loan, the following conditions shall be met: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

What is the process of handling bank loans?

To the bank for loan process:

1. Submit the loan application to the bank first, and submit the relevant loan procedures according to the loan type.

2. The bank shall review the loan application submitted.

3. After the audit is completed, the bank signs a contract with the lender.

4. After signing the contract, according to the loan type, the applicant needs to go through the mortgage or guarantee procedures. If it is a pure credit loan, it does not need to be provided.

5. The bank issues loans according to the contract.