Otherwise, we will not take responsibility and keep records. If the debt is transferred, many reasonable opportunities will be lost.
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How to get a bank loan?
1. Prepare relevant materials and apply to the bank. Application materials generally include loan application, applicant's ID card, household registration book, marriage certificate, income certificate, property right certificate of collateral, good credit records of the applicant and guarantor, etc. After paying the relevant fees, the applicant can submit relevant materials to the bank or the law firm entrusted by the bank for inspection and sign the contract.
2. Banks do pre-loan approval. After the applicant applies for a loan from the bank, the bank needs to examine the customer. For qualified loan applicants, the bank will approve the loan. If it is unqualified, the bank will return the application materials of the loan applicant and make corresponding explanations.
3. Go through other legal procedures. In addition to the loan contract, the loan applicant also needs to go through some legal procedures. If you are a mortgage applicant, you need to go to the relevant departments for mortgage registration for future enquiries.
4. Bank loans. After the relevant formalities of the loan applicant are completed, the bank will approve the loan according to the borrower's evaluation or report it to the superior for approval. Then, the bank staff will inform the borrower of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan to the customer account.
How to shorten the loan approval time?
1. Pay attention to maintaining personal qualifications. For loans, banks have strict requirements on borrowers' credit reporting and repayment ability. Therefore, borrowers should pay attention to maintaining personal credit information and maintain sufficient bank flow. In terms of credit investigation, not only should there be no overdue records in the current period and within a certain period, but there should also be no bad debts and too many inquiries. In addition, the credit record should also have a certain credit card or loan usage record, which cannot be empty. In terms of bank liquidity, try to ensure that the monthly income is more than twice the sum of monthly housing loans and other current liabilities.
2. Avoid the tightening period of bank quota. Every year, banks will have one or two tightening periods, especially at the end of the year. In the period of austerity, the loans that banks can issue are very limited, so the approval of loans will be stricter and the approval speed of housing loans will slow down. Therefore, before applying for housing loan, we must first understand the bank's loan policy and quota, and try to avoid the tightening period of bank quota.
3. Avoid small holidays When applying for housing loans, try to avoid long holidays such as National Day and Spring Festival, because banks generally have holidays on non-working days, and loan approval will be suspended. Applying for a housing loan before a small holiday will waste a week. Applying for a housing loan immediately after a small holiday will also lead to a lag in the approval of housing loans.