First, establish a credit relationship.

To apply for a bank loan, first of all, an enterprise must submit an Application Form for Establishing a Credit Relationship in duplicate when applying for establishing a credit relationship. After receiving the application submitted by the enterprise, the bank shall appoint a loan officer to investigate.

After investigating and understanding the above situation, the loan officer shall write a written report and sign an opinion on whether to establish a credit relationship, and submit it to the director of the department (unit) and the president (director) for approval step by step. After the president (director) agrees to establish a credit relationship with the enterprise, both banks and enterprises shall sign a contract to establish a credit relationship.

Second, apply for a loan.

Enterprises that have established credit relations may apply for bank loans according to the reasonable liquidity demand in the process of production and operation. According to the national industrial policy, credit policy and related systems, combined with the credit scale plan and credit fund source approved by the superior bank, the bank carefully examines the enterprise loan application.

Third, loan review.

1, reasonable purchase payment

2. Submit notes payable

3. Advance payment approved by the bank

4. Special loans shall be used for the specified purposes.

Fourth, sign a loan contract.

A loan contract is an agreement that the lender delivers a certain amount of money to the borrower for use according to the agreed purpose, and the borrower repays the principal and interest when it is due. This is an economic contract. The two parties have reached an agreement on the main terms of the loan contract through legal consultation, and the borrower can sign the loan contract only after the application is submitted and approved by the lender.

The loan contract must be signed and sealed by the representatives of both parties or the agents authorized by the legal representatives.

Verb (abbreviation for verb) gives bank loans.

After an enterprise applies for a loan, both banks and enterprises should sign relevant loan contracts according to the types of loans. A loan receipt is a written loan certificate, which can be signed at the same time as the loan contract, or once or twice within the amount and effective time stipulated in the contract.

Extended data

Matters needing attention in loan

1. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in your provident fund account will be zero, and the amount of the provident fund loan will also be zero, which means that you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount returned should exceed the repayment amount of six months.

Don't lose the loan contract and IOU. Applying for a mortgage loan, the loan contract signed between the bank and you, and the receipt are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

Don't forget to find the bank around you if you have difficulty in repaying the loan. When your ability to repay debts declines during the loan period and you have difficulty in repaying loans, don't insist on it yourself. ICBC customers can apply to ICBC for extending the loan term. After investigation by the bank, if the situation is true and there is no default in repaying the principal and interest of the loan, ICBC will accept the application for extending the loan term.

5. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

6. Don't forget to cancel the mortgage after the loan is paid off. After paying off all the loan principal and interest, you can cancel the mortgage at the district/county real estate trading center where the property is located with the bank loan settlement certificate of the collateral and other real estate rights certificates.

Refer to Baidu Encyclopedia-Loan

Refer to Baidu Encyclopedia-Bank Loan