1, the borrower's family does not need to sign.
When a borrower applies for a loan in a bank, he does not need the signature of his family members, but only the signature of himself and the guarantor. Whether they are immediate family members or not, as long as they don't apply for loans together with others and don't act as borrowers, they don't need to sign loans at the bank. Therefore, everyone needs to know these specific situations to avoid various problems in the process of applying for loan approval, which will directly affect their success rate in applying for loans.
2. Bank loans must be verified by immediate family members.
Although you don't need the signature of your immediate family to apply for a loan at the bank, the bank will check with your immediate family, because this will have a great influence on the approval of the loan amount to determine your living conditions and family income. If the family income conditions and all aspects can meet the standards of providing materials, there will be no false materials in this certificate, and the bank's approval speed will be faster, the quota will be guaranteed, and the approval process will be simpler.
3.* * * The lender needs to sign on the spot.
To apply for a loan in a bank, in addition to the borrower's signature, * * * and the lender need to sign on the spot. If * * * and the lender are their relatives or spouses, they need to sign on the spot together. Other immediate family members cannot sign on their behalf. When applying for a loan, everyone needs to decide whether to lend by themselves or with their families. At this time, they should sign as required, so as not to affect the process of your application for loan approval.
To determine whether the bank loan needs the signature of relatives and other related issues, it is necessary to prepare various materials according to the requirements when applying for a loan, and to cooperate with the requirements of the bank in the process of face-to-face signing to avoid affecting the success rate of applying for a loan and make the process of applying for a loan smooth. Fully understand these related issues, the process of applying for a loan will naturally be simpler.
The above is the bank loan introduced to you. Do you need immediate family verification? I believe everyone has a certain understanding. It is necessary for banks to be strict. After all, if there are mistakes, it will bring bad influence to people. But after the loan is successful, it must be repaid in time. Don't go to collect credit after the deadline.