How to query the progress of loan approval
1, ask the account manager.
Generally, when a bank handles a loan, an account manager will contact the customer, who will be responsible for all matters related to the loan business. If you want to check the progress of loan approval, you can ask the account manager directly, and he will give the corresponding answer. If you can't contact the account manager at the moment, you can also go to the bank and ask other staff, who will try their best to help you solve it.
2. Telephone enquiry
If you don't have time to go to the bank to find the account manager, you can also call the bank's customer service, and there will be someone to provide consulting services for this information. You only need to provide identity information and loan information, and the other party will help you inquire and tell you the details of loan approval.
3. Online inquiry
The last method is online inquiry. At present, some banks have opened the online loan inquiry function. Official website who can log in to his own bank. You can find the loan progress query in the right column, and then query according to your own processing date.
What are the terms of the loan?
1. To apply for a loan, an individual needs to be between the ages of 20 and 55, live in the place of application for a long time, be able to show proof of long-term residence and have a fixed residence.
2. Have a stable and legal income, the individual's work unit and all sources of income comply with national laws and regulations, have a good stable income from work, and have enough ability to undertake the heavy responsibility of repaying loans.
3. Personal credit status is good. It is best not to have a bad record in the bank credit information system, which will also affect your loan and loan amount.
4. Personal housing loan users or provident fund loan users who belong to the bank have paid the provident fund for more than 2 years, or have paid wages in the bank. One of these four types can apply for personal credit loans.
5. The personal debt ratio should not be higher than 50%, especially if the mortgage is to be repaid. If the personal debt ratio is too high, the bank will not approve your loan application.
6. The personal credit rating is above bbb or the credit rating recognized by the bank. Credit is accumulated over time. Remember to protect your credit at ordinary times, and don't do anything detrimental to your credit.
7. Other conditions for personal credit loans of banks.
The above are some ways to check the progress of the loan after the bank loans, and some conditions for the loan. I hope it will help some friends who want to borrow money from the bank. There are many kinds of loans. Credit loans and mortgage-secured loans are loans issued with the borrower's credit as a guarantee, so they are relatively simple compared with other projects.