What problems should we pay attention to when lending to banks?
1. Understand the types of bank products and loan purposes.
There are many kinds of loans, so I won't give examples here. Before applying for a loan, the borrower should first know what kind of loan he wants to apply for, whether it is a mortgage loan or a credit loan, how long the credit period is, and what is the purpose of the bank loan. For example, commercial loans are used for upstream and downstream operations of enterprises, while consumer loans are used for household consumption, shopping, decoration, study abroad and so on. , but not for buying a house, stock trading, home ownership, etc.
2, bank product conditions and access
Secondly, it is necessary to know the conditions of the products you apply for, whether your age, credit information, running repayment ability meet the requirements, and whether your access meets the requirements, such as whether you have a house, a car and life insurance under your name, whether you pay social security provident fund, whether the provident fund base meets the conditions, whether your punching salary is doubled and so on.
3. Bank loan application process
After knowing the product type and access, you need to know what the application process is and what materials need to be prepared, such as ID card, bank card, running water and so on.
The general credit loan application process mainly includes these steps: loan application-review-approval-signing-card opening-lending.
The general application process of mortgage loan includes these steps: loan application-interview-account opening-review-approval-signing-mortgage-housing authority lending.
4. Loan methods and post-loan purposes
Knowing the application process, you need to know more about the loan lending method and whether there are restrictions on the use of the loan, such as whether the funds can be withdrawn directly and whether they must be consumed at designated merchants. Because many credit loans can't be withdrawn directly, banks will restrict you from withdrawing cash from special cards, which must be drawn out at designated merchants, as well as mortgages. We need to know whether loans can be issued to third-party accounts and whether there are restrictions on the business use of third-party enterprises.
5. Watch carefully when signing a contract or answering a loan call.
After approval, you will generally be asked to sign a contract or answer the phone to directly lend money, depending on what loan you are applying for, the product you answer the phone, the term of loan interest rate and so on. Listen carefully. The products to be signed depend on whether the contract is consistent with the products applied for.
6. Pay attention to repayment after the loan.
After the loan is issued, we should pay attention to the monthly repayment, use the funds rationally, repay normally in each period, and cherish the credit information. Some loans are repaid after paying interest first. If they cannot be repaid in time, Bian Xiao suggested that you can apply for an extension in advance to avoid direct bank prosecution.