First, how to audit bank loans
1. Borrower qualification examination.
Verify the borrower's permanent residence and identity certificate; Whether there is a stable source of income and whether the loan principal and interest can be repaid on time; Whether there is collateral recognized by the bank and whether there are fixed assets under its name; Whether there is a personal bad credit record.
2. Conduct pre-loan investigation and write investigation report.
Pre-loan survey is a comprehensive evaluation of customers' overall credit status and loan risk status, and finally forms a comprehensive evaluation opinion on loans, including personal basic situation survey, personal credit status survey, personal assets and liabilities survey, personal loan use and repayment source survey, and guarantee method survey. The investigation report is a "pre-lending questionnaire" filled out by investigators after sorting out and analyzing the investigation results, including the methods used in the pre-lending investigation; Investigation opinions on personal loan application, repayment ability and repayment willingness guarantee.
3. Auditors conduct loan review.
The contents of the audit include whether the application materials are in compliance and whether the contents filled in the application form are complete; Whether the pre-lending questionnaire and personal customer credit evaluation report issued by the pre-lending investigator are objective and detailed.
4, the relevant departments of the loan approval.
The main contents of the approver include whether the borrower has the conditions for issuance; Whether the loan purpose meets the credit requirements; Whether the loan term, amount and interest rate meet the loan requirements; Whether the loan risk prevention measures are legal and effective; Whether the borrower's credit rating and loan scheme are effective.
Second, how to apply for a commercial loan:
1. Identity card and residence booklet of this Municipality; In addition to their ID cards and household registration books, non-residents of this city also need to provide household registration certificates or temporary residence permits provided by the household registration management department of their original place of residence. Minor residents need to provide birth certificates. The lender must have a stable and legal income, and at the same time be able to provide corresponding income certificates.
2. Bank preliminary examination. After accepting the loan application, the handling bank before the loan will make a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant. Through the pre-loan investigation, the bank prepares for the examination and approval of applicants who are considered to meet the loan conditions.
3. Buy insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require property buyers to apply for property insurance to prevent loan risks.
4. Sign a housing mortgage loan contract. After investigation, examination and approval, the loan contract is signed, and after the bank completes the registration and notarization procedures, the applicant is notified to sign the housing mortgage loan contract with the contract.
5. Handle the transfer of house property rights. Both buyers and sellers should go to the Housing Authority to handle the transfer of property rights. Information provided: ID cards of buyers and sellers, real estate licenses, deed tax certificates, and commercial housing sales contracts issued by the Housing Authority. If the area exceeds 200 square meters, the transaction evaluation report is needed and the data is copied.
6. Go through the mortgage registration formalities. After the transfer of housing property rights is completed, the bank will handle the mortgage and get his warrants 7 days after the mortgage.
7. Bank loans. The trading center issues the certificate, the bank retrieves his right certificate, and the bank lends money. After the bank lends money, it needs to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency also needs to stamp the official seal on the second-hand house mortgage transfer confirmation.