First, the personal loan online application process
1. Select matching loan products, and select products with high matching according to their own conditions.
2. Communicate with the loan officer by telephone. The loan officer will contact you by phone as soon as the loan application is made. In the process of communication, you will generally be asked about personal credit, job nature, professional attributes, income and marital status, as well as loan purposes, money needed, loan term and other loan matters. Don't worry, cooperating with the loan officer's investigation is equivalent to making efforts for your loan success.
3. Submit complete application materials. According to the policy of each product, submitting complete application materials is the last step of loan application. Don't forge loan application materials, because credit review usually sets strict "anti-counterfeiting" regulations, and even the perfect disguise can't escape its eyes, and it is very likely that the loan will be unsuccessful in the end.
4. Sign the loan contract face to face. After the loan is reviewed, the lending institution will take the initiative to contact you and enter the face-to-face contract signing process. What needs special reminder is that you should not take the contract seriously, because it will have legal effect, so before that, you must confirm the loan term, loan amount, repayment method, due repayment date and other specific details.
5. The loan is received. After the loan contract is signed, the money will reach your bank account smoothly and be put where it is needed. At the same time, don't forget to insist on timely and full repayment every month thereafter.
Two, personal loans online application should pay attention to the problem
1. Apply for the loan amount according to your own ability. Under normal circumstances, the monthly repayment amount should not exceed 50% of the total family income.
2. The loan purpose should be legal and compliant, and the transaction background should be true.
3. According to your repayment ability and future income expectations, choose the repayment method that suits you.
4. The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed in time if there is any change.
5. Read the terms of the contract carefully and know your rights and obligations.
6. Repay on time to avoid bad credit records.
Personal online loan application requires a lot of procedures and materials, so you must make reasonable preparations before applying to avoid being caught off guard.