Before applying for a loan, customers who are ready to find a bank loan should bring their valid identity documents to the local central bank's credit reporting department to check their personal credit reports to ensure that their credit records are not "stained", and then apply for a loan from the bank. Because, when approving a loan, the bank will first check the borrower's personal credit report, and if it finds that it has a recent record of overdue repayment, it may refuse the loan.

2. Prepare loan procedures in advance.

In order to save the loan approval time and ensure the smooth progress of the loan, the borrower should consult the loan institution in advance before applying for the loan, so as to make preparations in advance.

3. Determine the loan amount and term according to your actual situation.

In order to avoid the influence of excessive repayment pressure on normal life, borrowers should determine the reasonable loan amount and term according to their actual situation when applying for loans, instead of blindly pursuing high-amount and long-term loans.

4. Repay in full and on time.

After the borrower gets the loan, he must repay it in full and on time according to the loan contract, especially the customers who apply for bank loans, because the bank loan records will be recorded in the central bank's credit information system. If you leave overdue records, it will affect the handling of bank credit business in the future.

Before a borrower makes a loan, he must first determine whether his credit record is good, because a good credit record is mostly the main factor for successfully obtaining a loan. What's more, if the borrower's credit record is too poor, it is likely to directly lead to loan failure.

References:

Personal loan repayment method

1. Repay in equal amount every month according to the provisions in the signed repayment contract. The customer shall voluntarily deposit the monthly loan principal and interest into his house purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;

2. prepayment: the customer should apply to the bank one month in advance, and the loan interest can be exempted in advance, but the interest rate is still implemented at the same time as the original loan term.

Calculation of loan repayment If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum, and the interest will be paid with the principal; If the loan term exceeds 1 year, the repayment method shall be equal, and the loan principal and interest shall be repaid in monthly installments.

Personal housing loans, with the consent of the lender, the borrower can repay in advance. The borrower can choose the following two ways to repay in advance:

(1) Full prepayment

The borrower may apply for one-time prepayment of the outstanding loan principal and interest.

(2) Partial prepayment

The borrower applies for partial prepayment, and concentrates the loans that should be repaid in installments throughout the loan period in one installment. The remaining outstanding loans can be handled by shortening the original agreed repayment period, or keeping the original agreed repayment period unchanged and reducing the monthly repayment amount.