To apply for a credit loan, you must meet the following conditions
1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct.
2. Have permanent residence or valid residence status in China.
3. The life of bank credit loan first requires the borrower to have a good credit record.
4, have the ability to repay the loan, provide stable proof of occupation and income source, bank flow, etc.
5. Provide valid property information, insurance policy, social security fund, automobile, business license and other relevant financial certificates.
Materials to be provided for personal credit loans
After meeting the above conditions, consumers can successfully apply for personal loans from banks. Because different banks have different interest rates and different requirements, different applicants have different qualifications and different approval results. It is recommended to know the situation from local lending institutions and make full preparations before applying.
When applying for a personal credit loan from a bank, the borrower shall fill in the application form in written form and submit the following materials:
1, valid ID card.
2. Proof of address (household registration book, etc.). )
3. Personal professional information
4. Proof of income of the applicant and family members
5. Other information required by the bank.
How to apply for a credit loan
The ways to apply for credit loans are:
1. Bank outlets: Applicants should bring their ID cards and copies, property certificates, marriage certificates, etc. , and handle credit loans at the counters of nearby bank outlets. Generally, banks will lend money according to the information submitted.
2. Online Banking: Applicants can log in to the online banking of a bank, find a credit loan in the personal loan column of official website, and click Apply.
3. Loan supermarket: Now many online loan companies provide credit loans. You can get the above credit loans by downloading a loan supermarket on your mobile phone.
Problems needing attention in bank credit loan
Because the bank credit loan is a loan issued entirely by the payer's credit, there is no need to provide mortgage and guarantee when handling it. What customers need to pay attention to is their own credit. Only when the personal credit is good and there is no bad credit record in the credit investigation can you get a credit loan in the bank.
If the customer's credit is not good, there are bad records such as overdue credit information, and it is impossible to apply for a credit loan in the short term. Customers must first find ways to maintain their credit. After a period of time, after the credit information is repaired, they will go to the bank to apply for a credit loan.
The above contents refer to Baidu Encyclopedia-Credit Loan.
How to borrow personal credit loans?
Procedures for handling personal credit loans
1. The borrower submits the following information to the bank:
Approval form for loan application;
My valid identity certificate and photocopy;
Proof of residential address (household registration book or receipt of rent, water fee, electricity fee and gas fee for the last 3 months);
Proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );
Effective contact information and telephone number;
Personal settlement account voucher opened in China Industrial and Commercial Bank;
Other information required by the bank.
Necessary conditions for personal credit loans
The age is in the range of 20-60 years old (the age of individual products has dropped to 18 years old);
Hold a valid ID card;
No bad credit record;
Have a fixed work certificate and have been working in the current work unit for 3-6 months;
Proof of income stamped with the financial seal of the unit;
Other financial certificates, such as real estate, cars, stocks, bonds, etc. ;
Social endowment insurance certificate;
Provide two contacts.
You must meet the first five necessary conditions before you can apply for a personal credit loan. Small personal credit loans are generally 1 to 3 years, and some can be loaned for 5 years.
Personal credit loan process
The general personal credit loan procedure has three steps. The first step is to submit the application, the second step is the bank's approval, and the third step is to withdraw money for consumption.
Determine the loan demand and choose the loan type according to your own needs;
Choose a lending institution, understand the loan policy, application conditions and loan interest rate of the institution you choose, and avoid future loan troubles;
After selecting the loan institution, prepare all the materials needed for the loan according to the requirements of the staff;
During the handling period, keep in touch with the lending institutions at any time to let them know about the handling situation, and if there are any problems, they can cooperate in time to solve them;
Sign a loan contract and complete a series of procedures;
Wait for the loan funds to be released, and repay on time according to the repayment method agreed in the contract;
Finally: many people want to apply for a loan, but they don't know where to start. I don't know about this, but if your credit information is good, this method can make your loan interest more. Credit inquiry is absolutely indispensable. The inquiry of credit information is another key factor besides personal credit.
In order to avoid non-payment of debts, users need to choose credit loan products that are suitable for them and cost-effective. In the process of application, users must know the nature and situation of the loan, how much money they can borrow with their own qualifications, and whether the interest is within their tolerance. Never overdue after the loan, otherwise the consequences will be very serious.
How to apply for personal credit loan?
Personal credit loan application conditions
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by the bank.
The operation process of personal credit loan mainly includes: loan application and investigation, loan approval, loan signing and issuance, payment management and post-loan management.
I. Application and investigation of loans
loan application
The loan applicant shall fill in the loan application approval form, submit a written loan application and submit relevant application materials.
The application materials include: 1, personal credit record certificate; 2. Income certificate, personal occupation certificate, residential address certificate and other items involved in the credit rating form of the borrower and his family members; 3. Other supporting documents and materials required by the bank.
Pre-loan investigation
The loan bank shall verify whether the information provided by the borrower is complete, true, legal and effective; Inform the borrower of the obligations and consequences of breach of contract; Go to the borrower's unit or residence to investigate and verify the situation and interview the borrower. Investigators should investigate whether the loan applicant has a local account, a local fixed residence and a fixed contact information; Investigate whether the applicant has a proper occupation, and whether he is a director, supervisor, manager, credit business personnel and their close relatives of the loan bank. By querying the basic database of personal credit information of the People's Bank of China, investigate and verify whether the loan applicant has a bad credit record. By querying the personal credit rating system, personal financial business information and personal consumption credit management information of the loan bank. And comprehensively inspect the borrower's contribution to the loan bank. It is necessary to investigate whether the purpose of the loan is true and clear, and whether it complies with national laws, regulations and relevant policies. It is necessary to close the income certificate and investigate whether the income source of the borrower and his family members is stable and whether they have the ability to repay the loan principal and interest on time.
The examiner shall be responsible for the completeness and compliance of the loan application materials. The audit points include: whether the application materials are complete and the information is reasonable and consistent; Whether the borrower's self-confidence is good and whether the repayment source is sufficient and reliable; Whether the borrower belongs to the credit relationship of the loan bank; Whether the purpose of the loan complies with national laws, regulations and relevant policies; Whether the loan amount, expected annualized interest rate, term and repayment method comply with relevant regulations.
II. Examination and approval of loans
Loan review
The loan examiner is responsible for the compliance review of the materials submitted by the loan applicant, and is responsible for the integrity of the interview records submitted by the pre-loan investigators and the contents of the pre-loan investigation. If the loan examiner thinks it necessary to supplement the materials and improve the investigation contents, he may ask the pre-loan investigator to further implement it. If the loan examiner has doubts about the authenticity of the materials and investigation contents submitted by the investigators before the loan, he may conduct a new investigation.
Carry out risk assessment, establish and improve the credit record and credit evaluation system based on the borrower's cash income and qualitative and quantitative analysis methods.
After the loan reviewer completes the review, he shall put forward written review opinions on whether the investigation opinions and loan suggestions put forward by the investigators before the loan are reasonable and compliant, and submit them to the loan approver for approval together with the application materials and interview records.
Lending approval
Prudence principle, separation of loan examination and authorization examination and approval.
The loan approver examines the compliance, feasibility and economy of each individual car loan business from the bank's interests, and analyzes the expected annualized income and risks brought by this business to the bank.
The loan approver shall sign the approval opinions and return the approval form together with relevant materials to the business department after signing.
Third, the signing and issuance of loans.
Signing of loan
After examination and approval, the loan bank signs a personal car loan contract with the borrower and the developer to clarify the rights and obligations of all parties. The signing process of the loan:
(1) Fill in the contract (2) Review the contract (3) Sign the contract.
make loans
(1) Implementing loan granting conditions (2) Loan granting
Fourth, payment management and post-loan management.
Payment management
There are two control methods: entrusted payment management and independent payment management.
Key points of entrusted payment operation: define the information requirements that the borrower should submit; Clear payment audit requirements; Improve the operation process; Reasonably determine the entrusted payment standard for working capital loans; Use the special loan account in compliance.
Post-loan management
1. Post-loan inspection
(1) Inspection of the borrower (2) Inspection of the guarantor and the mortgage or pledge.
2. Contract change
(1) prepayment (2) adjustment of term (3) change of repayment method (4) change and termination of loan contract.
3. Recover the loan
Loan recovery refers to the borrower's timely and full repayment of the loan principal and interest in accordance with the repayment plan and repayment method agreed in the loan contract. There are two ways of loan repayment: entrusted deduction and counter repayment. The borrower can choose a repayment method in the contract, or change it within the loan period according to the specific situation. The principle of loan recovery is to collect interest first, then the principal, all of which are due, and the interest will be paid off together with the principal.
4. Non-performing loan management
Regarding the management of non-performing personal car loans, banks should first identify non-performing personal car loans according to the five-level classification of loan risks, then analyze non-performing loans in time, establish a non-performing loan account for personal car loans, clarify the person responsible for the collection of non-performing loans, and monitor the collection of non-performing loans in real time. For borrowers who can't repay the loan on time, a series of collection methods should be adopted to urge borrowers to repay the loan principal and interest on time and minimize the loan loss. If there is a guarantor, the guarantor shall be notified for collection.
5. Post-loan file management
Post-loan file management refers to the whole process of collecting, sorting, filing, registering, saving, borrowing (checking), handing over management, returning and destroying the loan information after the personal automobile loan is issued. According to the provisions and requirements of the Archives Law and related systems, standardized management is carried out to ensure the safe, complete and effective use of the borrowed files.