You must sign a contract before you can report the loan amount. The approved amount can only be said to have the loan qualifications and conditions, which does not mean that the loan has been made. Only after signing a contract and lending can it represent lending behavior. In addition, the loan amount is evaluated according to your comprehensive credit situation. Everyone's credit situation is different, and the amount obtained is different. The amount of common micro-loans in the market is basically between 500,000 and 300,000. However, in addition to checking the amount of loans, it is mainly necessary to choose a formal platform to ensure the safety of funds and information.

I. Procedures for applying for loans:

1. When applying for a loan, basic information such as loan purpose, loan amount, personal property (enterprise: company operation status), service period, selected loan type, collateral, repayment ability, etc. It should be explained.

2. loan investigation after receiving the application, the commercial bank began to conduct a basic investigation on your loan situation. The principle here is to evaluate the loan risk based on your willingness and ability to repay. And whether the financing industry involved meets the national requirements.

3. After a comprehensive review of the loan, after the bank has sufficient funds, it can sign a contract (guarantee mortgage), go through the loan-related procedures and obtain funds after being approved by the corresponding bank management department. Ask the staff for details.

4. Post-loan investigation After the borrower obtains the loan, it mainly investigates whether the funds are used according to the prescribed purposes, as well as the borrower's cash flow and operating income. If the loan is not used for the specified purpose (the purpose stated by the borrower when signing the contract), the bank may have the right to terminate the contract and recover the loan in advance, or raise the loan interest rate, which is called "misappropriation".

5. If the borrower repays the loan within the specified date, no penalty interest will be charged. If the loan is repaid after the loan date, the loan interest will generally rise by 50%. When signing a contract, the borrower will settle interest on a monthly, quarterly or annual basis, or repay the loan in installments. In general, the basic loan process is over. What is more special is that if there is no regular repayment, the bank will generally sue within 30-60 days, and the assets will be collected and preserved through legal procedures, and all expenses will be borne by the borrower.

Second, the loan matters needing attention

1, loan amount:

When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment.

2. Loan information:

The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan.

3. The purpose of the loan:

When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.