How to get a bank personal loan, let you know about bank personal loans

Banks have launched many loan products according to the needs of different users. For example, many users have begun to pay attention to bank personal loans. , Bank personal loans can provide more professional loan services to individual users. I believe that many users want to know how to get personal loans from banks as soon as possible. Let’s introduce the situation of personal loans from banks in detail, so that everyone can easily Apply for a personal loan, so borrowers no longer have to worry about loans.

How to get a personal loan from a bank

1. Prepare relevant procedures: The procedures that need to be submitted for a general loan mainly include: loan application, customer’s ID card, household register, and income certificate , marriage status certificate and other materials (customers with a spouse must also provide the spouse’s ID card and household register). If you are a mortgage loan customer, you need to issue the property title certificate of the mortgage; if you are a guarantee-free loan customer, you need to provide a good Credit history.

2. Apply to the bank: After preparing the relevant information, the customer can go to the bank or the law firm entrusted by the bank to submit the relevant information to the bank for verification and after the customer pays various fees, the customer needs to sign an application form with the bank. The loan contract shall be entered into as a legal document binding both parties.

3. Pre-loan approval by the bank: If it is a home purchase loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application. If it is qualified, the bank will conduct the final loan approval; if the review is unqualified, The bank will return the customer's relevant information and explain the situation to the customer.

4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage loan customer, the customer also needs to go to the relevant department to register and file the mortgage of the collateral for future inquiries.

5. Bank lending: After the customer's relevant procedures are completed, the bank will approve the loan or submit it to the superior for approval based on the assessment of the borrower. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other relevant details, and issue a loan instruction to transfer the loan item to the customer's account.

Categories of short-term loans

1. Business turnover loans

Loans obtained from banks or other financial institutions for production and operation needs. When handling this loan, the enterprise shall submit annual and quarterly borrowing plans to the bank in accordance with relevant regulations. After approval by the bank, the person designated in the borrowing plan shall handle the borrowing according to the loan IOU.

2. Temporary loans

Due to seasonal and temporary objective reasons, the normal turnover of funds of the enterprise cannot meet the needs, and the short-term borrowing exceeds the production turnover or commodity turnover amount. Temporary loans are subject to a "loan-by-loan" approach. The loan period is generally 3 to 6 months, which must be used for specified purposes and returned according to the accounting period.

3. Settlement loan

If the bank collects the loan, you can apply for collection and commitment settlement loan. The borrowing amount is usually calculated based on the collection amount and an agreed discount rate, which is roughly equivalent to the cost of goods sold plus advance transportation and miscellaneous expenses. After the enterprise's payment is recovered, the bank will deduct the loan itself.

4. Seller's credit

Enterprises whose products are included in the national plan and whose quality is in a leading position in the country, are approved to adopt installment collection sales and cause insufficient production and operation bonuses and apply for installment from the bank. The bank applied for a loan due to insufficient production and operation bonuses due to collection of sales. This kind of loan should be repaid in installments according to the progress of loan recovery, and the period is generally 1 to 2 years.

5. Pre-purchase deposit borrowing

The amount borrowed from banks by commercial enterprises to issue pre-purchase deposits for the purchase of agricultural and sideline products. This kind of loan is issued according to the varieties stipulated by the state and approved plan targets, and is managed in a special account. The loan period shall not exceed one year at most.

6. Special reserve borrowings

Commercial wholesale enterprises borrow money from banks for state-approved reserve commodities. This kind of borrowing must be earmarked and the borrowing period shall be determined according to the approved reserve period.

7. Bill discount borrowing

In case of bank acceptance bill or commercial acceptance bill, when business turnover difficulties occur, the term of bill discount loan application shall generally not exceed 3 months. For example, the current borrowing amount is generally the face amount of the bill minus the discount interest. The interest on the discounted borrowing is the bill discount interest, which is deducted by the bank first when handling the discount.

How to get a personal loan from a bank? In summary, I would like to introduce to you, regarding the bank personal loan process, borrowers need to prepare relevant procedures and submit their own supporting materials. Before applying for a loan, borrowers also need to choose the corresponding loan based on their actual needs. Now many banks have launched different loan methods, which can fully meet borrowers' loan needs and easily solve people's loan problems.

What is the bank loan process and time?

The time required for bank loans is generally 15 working days. The loan process is as follows:

1. The applicant applies for a loan to the bank and provides relevant information.

2. The bank evaluates the applicant’s credit and checks whether there is any violation record.

3. The bank will review the materials provided by the applicant to ensure the authenticity of the materials.

4. After passing the review, the bank signs a loan contract with the applicant.

5. The bank will grant the loan to the applicant in compliance with the loan contract.

6. The applicant repays the loan on time.

For more information about the bank loan process and time, go to: View more content

How banks issue loans

The main reasons why banks issue loans It includes three steps: loan issuance → ledger registration → payment supervision.

1. Loan disbursement.

(1) After the bank front desk confirms that all legal documents for the loan are complete and the enterprise meets the pre-loan conditions and the payment method stipulated in the contract, fill in the credit business report form, loan indicator notification form, and distribute risk management, credit management and Finance, accounting and other departments.

(2) After verification by the finance and accounting department, the withdrawal and transfer procedures will be carried out and transferred to the deposit account opened by the enterprise in the Bank. At this point, the entire loan process is completed and transferred to the post-loan management process.

2. Log in to the enterprise (and guarantor) and upload it to the People's Bank of China credit registration consultation system.

3. Supervise payment. Supervise the use of loan funds in accordance with the contract.

(1) If the enterprise's withdrawal is an entrusted payment, the bank's full-time staff will pay the loan funds directly through the enterprise's account after verifying that the payment object, amount and other information are consistent with the business contract and other supporting materials based on the enterprise's payment application. to the transaction partner.

(2) If the payment is made by the enterprise independently, the enterprise must regularly summarize and report the payment of loan funds as stipulated in the loan contract. The bank verifies whether the loan payment complies with the agreed purpose through account analysis, voucher inspection or on-site investigation.

Legal Basis

Article 186 of the Criminal Law of the People's Republic of China and the People's Republic of China: The crime of illegally granting loans. Employees of banks or other financial institutions grant loans in violation of state regulations. If the amount is huge or serious losses are caused, the sentence shall be not less than five years or criminal detention, and a fine of not less than 10,000 yuan but not more than 100,000 yuan shall be imposed; A fine of not more than 100,000 yuan. Any staff member of a bank or other financial institution who violates state regulations and extends loans to related parties shall be severely punished in accordance with the provisions of the preceding paragraph. If a unit commits the crime in the preceding two paragraphs, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding two paragraphs. The scope of related parties is determined in accordance with the "Law of the People's Republic of China on Commercial Banks" and relevant financial regulations.