1. Submit the application. The borrower submits the loan application form and bank requirements to the bank.

Information about.

2. Pre-loan evaluation. The bank conducts pre-loan investigation and evaluation, and sends a letter to the borrower.

The level and legality, safety and profitability of the loan.

Check and verify the situation of collateral, pledge and guarantor, and form an evaluation opinion.

3. sign the contract. If the bank considers it feasible after investigation and approval, both parties will

The terms of the loan contract, mortgage contract and guarantee contract have been agreed and related.

The two sides signed the contract.

4. Implement the guarantee. After signing the loan contract with the bank, the borrower must implement the third

Party A guarantees, mortgages, pledges, etc., and handles the registration, notarization or mortgage of relevant guarantees.

Collateral insurance, pledge deposit bank and other procedures.

5. Loan acquisition. The borrower completes the relevant procedures and borrows money before the bank issues the loan.

The contract will take effect immediately, the bank can give you a loan, and you can use it according to the contract.

Withdraw a loan.

Medium-term working capital loan

Working capital loan is to meet the temporary and seasonal needs of customers in the process of production and operation.

Capital demand, to ensure normal production and business activities and loans.

Payment. Working capital loans can be divided into temporary working capital loans and short-term working capital loans according to the term.

Working capital loans and medium-term working capital loans. Among them, medium-term working capital loans

Refers to the term 1 year to 3 years (excluding 1 year, including 3 years), which is mainly used for the normal operation of enterprises.

Loans that often occupy funds in production and operation.

& lt application materials >

1. Application for credit business;

2. Basic information of the borrower, qualification documents, loan certificate (card) and power of attorney.

Books, etc.

3, the basic situation of enterprise production and business activities and production, supply and marketing; Audit by the competent authority

Financial statements and reports calculated or approved in the last three years and the latest issue;

4. Proof of the borrower's source of repayment funds, including sales contract and fund plan.

Wait;

5. The borrower's internal authorization certificate; Guarantee information, including the guarantor's certificate.

Documents, financial information, guarantee commitment documents, list of mortgaged (pledged) goods and ownership.

Prove;

6. Other information required by the bank.

My Baidu space has a more detailed explanation.

There is a link to apply for a loan online in my Baidu space, which is very convenient and free. You can submit your own loan application online and quickly match the bank that suits your place of residence.

If you don't understand, you can ask me