Usually, after the customer submits the loan application, the bank account manager will sort out the materials provided by the customer, and check and print other related materials, such as the information system query of the executed untrustworthy person, my detailed credit report, personal risk rating table, etc. After the information is sorted out, it will be submitted for trial.
After receiving the materials, the audit department will also check them through the system as required. If there are any questions or omissions, the account manager will be asked to supplement the materials. After the review is completed, the examiner will submit it to the person in charge of the review department for review.
One: What is a bank loan?
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.
Article 26:
If the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.
The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.
Two: bank loans
Secured loan
If you don't have certificates of deposit, government bonds or insurance policies, but your spouse or parents have a better job and a stable income, it is also an excellent credit resource. At present, banks have special preference for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and financial practitioners are listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions as long as they find one or two colleagues to guarantee them. When all kinds of materials are ready, you can get the approval on the same day, so you can get the venture capital quickly.
Microfinance
All laid-off and unemployed people under 60 who are healthy, honest and trustworthy, have certain labor skills, start their own businesses, operate in partnership and organize employment can apply for small secured loans from commercial banks or their branches on the strength of the re-employment concession card issued by the labor and social security department. The re-employment concession proves that the maximum loan per person is 20,000 yuan, and the interest rate is the lowest among the local bank loan interest rates. Enterprises that absorb laid-off workers 10 can enjoy low-interest loans ranging from 200,000 yuan to10 million yuan.