Ordinary banks will accept personal loans, but the conditions are different. The acceptance conditions of personal loans depend on the loan amount, loan term and the credit qualification of the lender, which need to be analyzed in detail. I suggest you consult the bank.
Personal loans to banks need to go through the following five steps:
One of the procedures for individuals to borrow money from banks: preparing information. Individuals should first prepare the materials needed to borrow from the bank, which generally include loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record.
The second step of applying for a personal loan from a bank: apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.
The third procedure of bank personal loan: payment audit. If the audit fails, the bank will return the relevant information of the customer and the fees charged.
The fourth procedure for individuals to borrow money from banks: go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register the mortgage in the bank for future inquiry; In addition, if the parties are willing, they can also entrust a law firm to handle matters such as security and notarization on their behalf.
The fifth procedure for individuals to borrow money from banks: bank lending. After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.