First of all, you need to prepare materials, such as your own loan application, your ID card, household registration book, income certificate, marital status certificate and so on.
② After preparing the materials, go to the bank to apply. When applying for a loan, you need to fill in the loan application form and submit the prepared materials to the bank for review.
(3) Next, the bank will review the loan. The general bank will entrust a law firm to conduct a preliminary examination of customers. If it meets the requirements, the bank will conduct the final loan approval. If the audit fails, the bank will return the relevant information of the customer and the relevant fees charged.
(4) If there is no problem with the audit, then the next step is to go through relevant legal procedures. In addition to signing the contract, the customer also needs to go through legal procedures. For example, popular science needs to register the mortgage of collateral in the bank and put it on record at the same time.
⑤ Only when all the above are done can the bank issue loans, usually in accordance with the amount stipulated in the contract within the specified time.
Loan approval process
Loan approval process: 1. Prepare relevant procedures, generally including: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials. 2. Customers apply to the bank, submit relevant materials to the bank or the law firm entrusted by the bank, and after paying various fees, they need to sign a loan contract with the bank as a legal document binding both parties. 3. Before the bank approves the loan, the law firm entrusted by the bank first conducts a preliminary examination of the customer's application, and if it is qualified, the bank conducts the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer. 4. Go through other legal procedures. 5. Bank loans. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a citizen of People's Republic of China (PRC) (hereinafter referred to as China) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
Bank loan approval process
Bank loan approval process: 1, basic information of borrower and guarantor; 2. The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period for applying for loans; 3, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention; 5. Project proposal and feasibility report; 6, credit cooperatives that need to provide other relevant information; Second, credit rating evaluation, credit cooperatives evaluate the credit rating of borrowers; Third, the loan investigation, credit cooperatives to investigate the legitimacy, safety and profitability of borrowers; Four, loan approval, credit cooperatives according to the loan management system of loan separation and grading approval for loan approval; Five, when signing the contract, the credit cooperative and the borrower signed a loan contract; Six, loan issuance, credit cooperatives in accordance with the provisions of the loan contract; Seven, after the loan inspection, the credit cooperatives to the borrower's implementation of the loan contract and the borrower's business situation to conduct a follow-up investigation and inspection; Eight. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time.
How are bank loans audited? Will go through these processes!
Many people will choose bank loans to solve the problem at the first time when they need money urgently. 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. 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.
What is the bank loan application process?
1. Prepare relevant procedures: The procedures to be submitted for general loans mainly include: loan application form, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also required). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record. 2. Apply to the bank: After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Approval before bank lending: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer 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 customer, the customer also needs to go to the relevant department to register the mortgage for future inquiry. 5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account. Personal loan application shall meet the following conditions: (1) The borrower is a citizen of People's Republic of China (PRC) (China) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
legal ground
Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:
(a) the borrower is a citizen of People's Republic of China (PRC) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Bank loan process
Bank loan process: 1. The applicant applied for a loan from the bank. Eligible applicants need to submit relevant information required for bank loans. 2. The bank evaluates the borrower's credit rating and verifies the authenticity of relevant information. 3. Banks investigate the legitimacy, safety and profitability of borrowers. 4. Loan approval. If the loan conditions are met, the bank will approve the loan and loan amount. 5. The bank signs a loan contract with the borrower. 6. The bank issues loans on time according to the provisions of the loan contract. 7. Loan repayment. The borrower needs to repay the loan principal and interest in full and on time according to the contract. If it wants to extend the loan, it should apply to the bank for extending the loan before the loan maturity date, and the bank will decide whether to extend the loan.
Legal basis: Interim Measures for Personal Loans
Article 11
Personal loan application shall meet the following conditions: (1) The borrower is a citizen of People's Republic of China (PRC) (China) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
This concludes the introduction of bank loan approval process and the introduction of bank loan approval process. I wonder if you have found the information you need?