First, prepare the information. Individuals should first prepare the materials needed to borrow from the bank, which generally include loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

Second, apply. After preparing the relevant materials, 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 for review. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.

Third, payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and the fees charged.

4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. Then there is a bank loan.

Verb (abbreviation of verb) personal bank loan process:

The borrower applies for a loan and provides loan credit.

If the borrower needs a bank loan, he should directly submit a written application to the bank or its handling institution and fill in the loan application form. The contents of the application shall include the loan amount, loan purpose, repayment ability and repayment method, and the following materials shall be submitted to the bank:

1. Basic information of the borrower and guarantor;

2. The financial report of the previous year approved by the financial department or accounting firm, and the financial report of the previous period before applying for the loan;

3, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant documents that the guarantor agrees to guarantee intention;

5. Project proposal and feasibility report;

6. Other relevant materials deemed necessary by the Bank;

7. The application for fixed capital loan shall be accompanied by a feasibility study report, a technical transformation plan or an approved scheme, a preliminary design and a general budget estimate.

Extended data:

Potential borrower

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.

Baidu Encyclopedia-Personal Bank Loan Steps