How to borrow personal loans from banks?
1. Prepare relevant procedures: The procedures to be submitted for general loans mainly 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 are also required). Customers with mortgage loans need to provide proof of property rights of collateral; If you are a customer with unsecured loans, you need to provide a good credit record.
2. Apply to the bank: After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After the customer pays various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.
3. Approval before the bank lends money: If it is a house loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application, and the bank will conduct the final loan approval after it is qualified; If the review 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 the customer bank loan interest rate network of mortgage loan, the customer also needs to go to the relevant department to register the mortgage for future inquiry.
5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan according to the borrower's evaluation or submit it to the superior for approval. Subsequently, 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.
Classification of short-term loans
1. Operating revolving loan
Loans obtained from banks or other financial institutions for production and operation. When handling loans, enterprises should submit annual and quarterly loan plans to banks in accordance with relevant regulations. After approval by banks, borrowers in the loan plans will handle loans according to loan receipts.
2. Temporary loans
Due to seasonal and temporary objective reasons, when the normal capital turnover can't meet the needs, the short-term loans are included in the production turnover or commodity turnover. Temporary loans shall be subject to the "one-by-one nuclear loan" method. The loan period is generally 3 to 6 months, used according to the specified purposes and returned according to the accounting period.
Step 3 settle the loan
After bank collection, you can apply for collection and acceptance of settlement loans. The loan amount is usually calculated according to the collection amount and the agreed discount rate, which is roughly equivalent to the cost of selling goods plus prepaid transportation and miscellaneous fees. After the enterprise's payment is recovered, the bank will deduct its loan by itself.
4. Seller's credit
Enterprises whose products are listed in the national plan and whose quality is in the leading position in the whole country apply for loans from banks because of insufficient bonuses for installment sales, production and operation. Such loans should be repaid in installments according to the repayment progress, and the term is generally 1 to 2 years.
5. Prepaid deposit loan
Funds borrowed from banks by commercial enterprises for purchasing agricultural and sideline products and issuing advance payment. Such loans are issued according to the varieties stipulated by the state and the approved plans, and special account management is implemented. The longest loan term shall not exceed 1 year.
6. Special reserve loan
Funds borrowed from banks by commercial wholesale enterprises approved by the state for reserve commodities. This kind of loan must be earmarked, and the loan period is determined according to the approved reserve period.
7. Discounted bills loan
When a bank accepts a bill of exchange or a commercial acceptance bill, when there are difficulties in business turnover, the time limit for applying for a bill discount loan is generally not more than 3 months. If the current loan amount is generally the face value of the ticket minus the discount interest, the interest of the discounted loan is the discount interest of the bill, which is deducted by the bank first when discounting.
How to borrow personal loans from banks? To sum up, it is for everyone to introduce. Regarding the process of bank personal loan, borrowers need to prepare relevant procedures and submit their own supporting materials. Before applying for a loan, the borrower also needs to choose the corresponding loan method according to his actual needs. Now many banks have introduced different loan methods, which can fully meet the borrower's demand for loans and easily solve people's loan problems.