The bank loan process is as follows:

Application: the borrower holds valid identity documents and relevant information required by the bank, fills in the credit application form and applies for credit from the handling bank;

Examination and approval: investigate the borrower's credit status, conduct examination and approval according to procedures, and notify the borrower of the examination and approval results;

Signing a contract: after the application is approved, the borrower and the credit agreement grant the borrower a credit line;

Payment: After obtaining the credit line, the borrower can apply to the handling bank for payment at any time, and the handling bank will release the loan to the borrower's personal account.

Loan process:

1. loan application: the borrower applies for a loan from the local bank. In addition to applying for rural loans, other types of loans should also provide relevant information.

(1) Basic information of the borrower and guarantor;

The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;

(3) Rectification of original unreasonable loans;

(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;

5] Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation: the bank evaluates the credit rating of the borrower.

3. Loan investigation: Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval: The bank shall approve the loan according to the loan management system that separates loan approval from grading approval.

5. Signing a contract: The bank signs a loan contract with the borrower.

6. Loan issuance: The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection: The bank conducts follow-up investigation and inspection on the borrower's execution of the loan contract and operation.

8. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.

How to get a loan online?

It is convenient and fast to apply for loans through the Internet, and all loan demanders get in touch with loan providers in a short time. In recent years, more and more friends apply for loans directly through the Internet. The following describes the process of online lending:

Generally speaking, the process of online lending:

1. Seek a reliable loan website. At present, there are many kinds of loan websites. Choosing a reliable website can speed up the loan process and avoid being cheated to a great extent. It is suggested to choose a large domestic loan intermediary website.

2, after entering the website, according to their own needs, directional choice of loan types, through the network to provide loan demand;

3. The website reviews personal information, classifies each person's personal information, and finds a matching loan provider, and then the business personnel of the loan provider directly get in touch with the loan demanders;

4. When the borrower goes to the lending institution, the borrower and the lender negotiate loan-related matters in person, such as loan requirements, loan amount, loan interest rate, etc.

5. Sign a loan contract. For formal loans, you must sign relevant legal loan contracts to give the other party a guarantee in the future;

6. loans. After the loan contract is signed, the loan can be completed after the follow-up matters are handled, and the borrower can remember to repay the loan in the future.

Lender Bian Xiao needs to remind you that online loans are usually just a step to seek loan suppliers. After the loan supplier gets in touch, it is still necessary to meet with the supplier's salesman to discuss related matters in detail. At the same time, loans are usually not completed in cities. So, if you claim to be able to do business in the city, you are probably a liar. In the process of loan issuance, if the loan is not issued, the formal loan provider will not ask the borrower to pay any fees in advance. If the other party asks to pay any fees in advance, it is generally a liar.

How to apply for a loan online

The process of online lending:

First, submit the application. Applicants log on to the online lending platform, fill in relevant information on the platform and submit loan applications.

Second, platform audit. The online lending platform reviews the information submitted by the applicant through big data or platform risk control, such as the authenticity and credit status of the information submitted by the applicant (the online lending platform connected to the central bank's credit information system requires the user to sign the personal credit information business authorization when applying, and the platform can query the user's credit status by querying the user's credit information) to judge whether the applicant meets the loan conditions.

Third, the platform returns. Some online lending platforms will also pay a telephone call back to the applicant to further verify the applicant's situation.

Fourth, sign a contract. After the platform is approved, it will sign a loan contract with the applicant online.

Verb (short for verb) gives a loan. The platform will release the money to the designated account.

Six, after the success of the loan, the borrower in accordance with the contract agreed to repay the loan principal and interest on time.

When applying for a loan online, you must have a detailed understanding of the loan website to avoid being cheated.

So much for the introduction of online loan procedures.