How are bank loans audited? Will go through these processes!

when many people are in urgent need of money, they will choose bank loans to solve the problem at the first time. As a borrower, you only need to provide personal information to the bank and wait for the bank to review it. So how is the bank audited?

1. Check the borrower's qualification

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 approved by the bank and whether there are fixed assets under its name; Whether there is any personal bad credit record.

2. Conduct pre-loan investigation and write investigation report

Pre-loan investigation is to comprehensively evaluate the overall credit status of customers and the risk status of loans, and finally form a comprehensive evaluation opinion on loans, including personal basic situation investigation, personal credit status investigation, personal assets and liabilities investigation, personal loan use and repayment source investigation, and guarantee method investigation. The investigation report is a "pre-lending questionnaire" filled out by investigators after sorting out and analyzing the investigation results, which includes the methods adopted in the pre-lending investigation; Investigation opinions on personal loan application, repayment ability, repayment willingness guarantee and other circumstances.

3. The auditor conducts the loan audit

The audit contents include whether the application materials are in compliance and whether the contents filled in the application approval form are complete; Whether the Pre-lending Questionnaire and Personal Customer Credit Evaluation Report issued by the pre-lending investigators are objective and detailed.

4. The loan is approved by the relevant departments.

The main contents of the approver include whether the borrower has the conditions for issuance; Whether the purpose of the loan conforms to the provisions on credit; Whether the loan term, quota and interest rate meet the loan provisions; Whether the loan risk prevention measures are legal and effective; Whether the borrower's credit rating and loan proposal are effective.

how long does it take to review the bank loan

1. It only takes about one week to get the result, but when handling the bank loan, you should be able to know that for different banks, they have to go through other processes besides the review and approval process, so it takes more time. At this time, it takes about 15 days from the beginning of application to lending.

2. It doesn't take a long time to apply for a mortgage, because the bank's examination and approval is very simple, unlike ordinary loans, so the time required for the whole process is shorter than that of ordinary loans. Generally speaking, the loan can be approved in about a week, and the time is not particularly long.

How to inquire about the progress of loan approval

1. Telephone inquiry: No matter banks or other lending institutions, you can call their customer service, and the institutions will have specialized personnel to provide you with consulting services. You only need to provide your identity and loan information, and they will help you to inquire and tell you how your loan approval progress is.

2. Inquiry in official website: Generally, banks or other lending institutions have their own official websites, and you can inquire about the loan approval progress on official website. You can enter your own account, find the loan progress query in the function bar, and then click Query to know your loan approval progress.

3. Counter inquiry: Small partners who have enough time can also bring their ID cards and loan bank cards and go to the bank counter or the lobby of other lending institutions to inquire, so that the staff can help you check the progress of loan approval, which is also a very convenient method.

4. Contact the account manager: When applying for a loan, the account manager usually negotiates, and the applicant can directly consult the account manager if he has any questions. Therefore, you can directly find the account manager who helps you with the loan and ask him to help you inquire, so that you can quickly know the progress of your loan approval, which is also relatively simple and convenient.

5. app query; Now many banks and some lending institutions have their own app, and there will also be a loan progress inquiry column in the app. Click Query directly to inquire about their loan approval progress through the app.

how long does it take for a bank to approve a loan

It usually takes about one month for a bank to approve a loan according to different loan types. Different loan types and different banks need different procedures and the complexity of approval is different, so the time required is different. The next payment of a general credit loan will be faster, about 1 days. And housing mortgage loans and the like are slower, about 4 days.

The length of time for approving bank loans is related to many aspects, such as whether the materials submitted by the lender are complete and whether the amount of bank loans is sufficient. If you wait too long for approval, you can call the bank or the manager who handles the loans.

in short, customers should wait patiently after submitting the loan application. If the audit results come out, the bank will naturally inform the customer in time, regardless of whether the approval is passed or not. And if the approval is passed, the customer who receives the notice will naturally have to go to the bank outlet to sign the loan contract in time, and the bank will only lend money after the relevant procedures are completed.

what should the bank review before lending

whether the borrower's qualifications and conditions are met; Whether the purpose of the loan meets the requirements of the bank; Whether the amount and duration of the loan application comply with the relevant loan measures and regulations; Whether the materials provided by the borrower are complete, legal and effective.

1. In the pre-lending stage, the loan is still at the customer application end, which mainly involves the customer department of the bank, that is, the front desk department that directly markets and serves customers. The main processes include marketing, acceptance and investigation. Marketing is the process of finding and discovering customers. Acceptance is the process of accepting customer loan applications and initiating loan business in the bank; Investigation is the process that the customer department collects and checks the customer's qualifications, information and loan information.

2. From the central loan section, it can be seen that the loan business has been circulated within the bank in this step, which mainly involves the credit review department, legal department, loan review committee (collegiate committee exists in some banks), lending center, mortgage and pledge center, operation accounting department, president's office and other institutions. The main processes include review (review), approval and lending. The review means that the credit review department conducts legal compliance with the loan business submitted by the customer department. At the same time, the review opinions and risk control measures are put forward for the reference of the loan review committee and the leaders of the Bank. If the loan business involves complicated legal issues, the legal review opinions need to be issued by the legal department. After the review by the review department, the business will generally be discussed by the loan review committee of the Bank, which will provide reference for the final approver and also restrict the authority of the approver. Examination and approval means that the loan in the bank has the right to examine and approve the reviewed business (usually the president in the president's room). Although this step is short, it is actually a summary of all the previous work, and all the efforts are gathered here to get a result; Lending means that the customer signs a contract according to the examination and approval requirements, and implements the mortgage guarantee (the mortgage center is responsible for it). After the loan center has verified it, the loan will be released, and the operation accounting department will be responsible for remitting the loan to the customer's own account or entrusted payment account. At this point, the loan is over.

3. The loan can be recovered even after it is released, and the credit process is finished only after it is recovered. This is the post-loan link, which involves the credit management department, customer department and non-performing assets disposal department of the bank. The main processes include post-loan management, disposal of non-performing assets and loan recovery. Post-loan management means that after the loan is issued, the customer department should always pay attention to the lender's situation, conduct regular post-loan inspection and dispose of early warning information, and at the same time, the credit management department should conduct regular systematic inspection and issue early warning in time if any abnormality is found; Disposal of non-performing assets, that is, once the customer's loan cannot be repaid on time, resulting in non-performing, the disposal department of non-performing assets should carry out collection, disposal and write-off; Loan recovery means that the customer repays the bank's loan to the bank and completes the whole credit business process.