Different types of loans are reviewed at different times in banks. The review time of general mortgage loans and car loans is about 15 working days, and the review time of other consumer loans is about 7 working days.

The bank loan process is as follows:

1. After the user submits the loan application, the bank account manager will contact the applicant to find out the specific capital needs of the applicant;

2. After that, the bank will investigate the applicant before the loan, and it is necessary to know all kinds of basic information of the applicant;

3. After the basic information is confirmed, make a loan plan and then check it. After the approval, the user needs to go to the bank to sign the relevant contract, and after the contract is signed, he can wait for the next payment;

You can repay according to the contract after the next payment.

How do banks lend money? Specific process daquan!

The bank loan process is complicated. Now young people can apply for loans through mobile phones. However, some special loan products with relatively high quotas still need to go to the bank. Today I will introduce the basic process of bank loan.

1. Prepare the application materials.

The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials. If the customer is a mortgage loan, the property right certificate of the collateral needs to be issued; If you are a customer of credit loan, you need to provide a good credit record.

Step 2 apply to the bank

After preparing the relevant information, you can go to the bank to go through the relevant procedures. Generally, there will be a credit manager to borrow money. You can ask more details of the loan to avoid future troubles.

The bank will approve the loan before it is issued.

If it is a house purchase loan, the bank will conduct a series of investigations and verifications to verify the relevant personal data. The whole process takes a long time. If qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer.

4. 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 also needs to go to the relevant department to register the mortgage for future inquiry.

5. Bank loans

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.

What is the process of bank loan?

Bank loan approval process: 1, contact. Either the customer asks the bank, or the account manager takes the initiative to come to the door. In short, the first step is for customers to make initial contact with banks to show their financing needs. 2. Pre-lending investigation. After contact, the bank will conduct a pre-loan investigation and collect relevant information, including basic information of customers, basic information of affiliated enterprises, basic information of projects, development prospects, policy or industry environment, information of potential guarantors or things, and so on. 3. Program negotiation. 4. Loan review. After discussing the scheme and writing the investigation report, all business data will be submitted to the risk control department for review. 5. Loan review meeting (not required): Some projects are relatively large, or the business is relatively special, or there are special management requirements, and a loan review meeting will be held for collective deliberation. 6. Loan approval: After the risk control review (reviewed by the loan review committee) is passed, the business needs to be submitted to the owner (usually the president or authorized vice president, and some banks have independent approvers) for approval. 7. Sign the contract and go through the formalities: After the approval, the customer and the bank sign the relevant contract and complete the mortgage and other formalities, so they can wait for the loan. 8. loan review: 9. Post-loan management 10. Recovery: When the loan is due, the principal and interest are recovered on time, and a business is successfully concluded. Everyone is relieved.

What are the procedures for banks to handle loans?

Bank loan process

1. Apply for a loan, and bring information to the bank outlets to apply for a loan.

2. Audit: The bank verifies the applicant's credit information, assets, personal data and other information.

3. sign the contract. After passing the examination, the bank signs a loan contract with the lender.

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

5. When repaying the loan, the lender shall repay the loan principal and interest in full according to the time agreed in this contract.

What problems should be paid attention to when buying a house with a bank loan?

1. You need to choose a mortgage according to your actual situation. It does not mean that the larger the loan amount, the better. You should know that you need to pay interest later. The larger the amount and the longer the time, the higher the interest required.

2. Before applying for a bank loan, you need to prepare all the materials to avoid wasting too much time in preparing the materials later. In addition, if there is a problem with the credit, you need to apply for clearing in advance.

3. The bank staff will review the submitted materials, so the applicant must ensure that the materials provided are true, so as not to lead to longer loan processing time or even unnecessary troubles.

At present, there are two repayment methods of bank loans: equal principal and interest and average capital. Lenders need to choose according to their own economic conditions.

After handling the loan, even if you have enough money, you don't need to repay in advance. If you really want to pay off the debt, you have to wait until 1 year and pay the repayment amount for more than half a year.

6. Repayment should be made according to the monthly repayment date agreed in the contract, and the monthly payment must be credited to the corresponding bank card before the repayment date to avoid unnecessary troubles.

Bank loan process

For personal bank loans, in fact, the bank loan process of each bank is similar, which is roughly divided into seven steps: first, the borrower applies for a loan from the bank and submits the information needed for the loan; The second step, the bank accepts the loan and conducts examination and approval to see if it meets the loan conditions; Step 3: After approval, the borrower signs a loan contract with the bank. Contracts include guarantee contracts, mortgage contracts, etc. Step four, after signing the contract, go through the mortgage registration formalities; Step 5, the bank issues loans to borrowers; Step 6, the borrower repays in full and on time; Step 7: After the loan is settled, go through the mortgage cancellation procedures.

This concludes the bank loan flow chart and detailed bank loan flow introduction. I wonder if you found the information you need from it?