I. Process
Pre-loan investigation: to determine whether the loan conditions are met.
Sign: sign the contract and related documents.
Approval: the approval process for those who have passed the job transfer approval.
Implement pre-loan conditions: such as mortgage and pledge.
Loan: to lend money
Post-loan management: fund use management, overdue collection, prosecution execution, etc.
Second, risk control.
1. Conditions that the borrower must meet at the same time.
A natural person who has reached the age of 2 1 and has full capacity for civil conduct, has legal status and can provide valid identification and residence certificate;
Have a stable economic income, good credit, and the ability to repay the loan principal and interest on schedule;
Agree to open a bank card or savings passbook with settlement function in a designated bank, and agree to authorize the direct deduction of loan principal and interest and related expenses to be borne by the borrower from the agreed repayment account;
Provide loan application forms filled out as required;
2. The purpose of the loan
Money used for legitimate purposes; It shall not be used for stock investment, registered capital of economic entities or other equity investments, or for purposes prohibited by national policies, laws and regulations. It is strictly forbidden to transfer loan funds directly or indirectly into securities trading accounts.
3. Method and duration of credit granting
The credit mode of this loan is single loan/line credit.
The longest loan term is * years, and the borrower shall not be over * * years old when the loan expires.
4. Loan amount
The starting point of a single loan amount is * 10000 yuan, and the maximum is not more than * 10000 yuan;
5. Loan interest rate
The loan interest rate is based on the benchmark interest rate of commercial loans published by the People's Bank of China.
If the loan term is within 1 year (inclusive), the contract interest rate shall be implemented and will not be adjusted during the loan period; If the loan term exceeds 1 year, if the People's Bank of China adjusts the benchmark interest rate, it will be adjusted once a year during the contract period, that is, starting from the next year's Gregorian calendar 1, the new loan interest rate will be implemented according to the corresponding interest rate grade.
6. Penalty interest
If the borrower fails to use the loan according to the purpose agreed in this contract or fails to repay the loan according to the date agreed in this contract, the penalty interest will be charged according to the relevant regulations of the People's Bank of China.
7. Repayment method
Equal principal and interest repayment, etc.