It's an entrusted loan, right? Every bank has different rules. In fact, you give your money to the bank, entrust the bank to lend it to you, and the bank collects a handling fee from it.

Second, how to invest in bank loans, what are the conditions?

If the purpose of the loan is to invest in high-risk industries, such as stocks, gold, futures and real estate, it will be rejected.

Third, how to apply for a bank loan? What are the requirements?

The threshold of bank loans is relatively high, and the audit is also more rigorous. Loans must meet the following basic conditions.

1. The applicant must be a natural person with full capacity for civil conduct and have legal personality;

2. Have a stable job and income and have the corresponding repayment ability.

3. Personal credit information is good and there is no bad record in the central bank's credit information system.

In addition, bank loans are also divided into personal credit loans, housing mortgage loans, college students' entrepreneurial loans, self-employed loans, housing mortgage loans and so on. To apply for different loans, you need to provide different application materials, such as bank account, work certificate, collateral, house purchase contract, etc.

The loan issuance time is determined according to the fund situation and approval progress of the local bank lending center. Personal credit loan takes about 7 working days, mortgage loan takes about 3 to 5 working days, and the longest time is about 15 days.

Loan application: basic information of the borrower and guarantor; The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan; Correct the original unreasonable loan; List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee; Project proposal and feasibility report; Other relevant information deemed necessary by the Bank; Credit rating evaluation, credit cooperatives evaluate the credit rating of borrowers.

Loan investigation: credit cooperatives investigate the legitimacy, safety and profitability of borrowers; When examining and approving loans, credit cooperatives examine and approve loans according to the loan management system of loan separation and grading examination and approval; Signing a contract, the credit cooperative and the borrower sign a loan contract; When making a loan, the credit cooperative issues the loan in accordance with the provisions of the loan contract.

Post-loan inspection, the credit cooperatives conduct follow-up investigation and inspection on the borrower's performance of the loan contract and the borrower's operation; When the loan is repaid and the loan expires, the borrower shall repay the loan principal and interest in full on time.