The process of applying for a loan from a bank:

Prepare information. First of all, prepare the information needed to borrow money from the bank. Including loan application, 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 the customer is a mortgage loan, the property right certificate of the collateral needs to be issued; If you are a customer with unsecured loans, you need to provide a good credit record.

Apply. After the customer prepares the relevant materials, he can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After paying various fees, customers need to sign a loan contract with the bank as a legal document binding both parties.

Payment review. 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 the fees charged.

Take 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 needs to register the mortgage in the bank for future inquiry.

Bank loan. 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.