You must sign it yourself. In some places, you have a power of attorney notarized by the notary office, and you can also entrust others to sign it for you.

Loan process

1, loan application. Borrowers apply for loans from local banks. In addition to applying for rural small loans, relevant information must be provided when applying for other types of loans. Borrow money

Basic information about individuals and guarantors; The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the previous financial report of the loan application; (3) Rectification of original unreasonable loans; (4) Mortgage loan

List of materials and pledges, proof that the person who has the right to dispose of them agrees to mortgage and pledge, and relevant proof that the guarantor intends to agree to guarantee; 5] Project proposal and feasibility report; (6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signs a loan contract with the borrower.

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's execution of the loan contract and the borrower's operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If it is necessary to extend the loan, an application for loan extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend the loan.