Hello, first of all, you need to submit relevant information, such as ID card, household registration book, marriage certificate, residence certificate, work certificate, income certificate, bank account, etc. , and attach a loan application. After approval, a loan contract is signed, and financial institutions lend money by transfer. I hope I can help you and adopt it.
2. What is the process of applying for a loan through a guarantee company?
1. Generally speaking, the business process of a guarantee company is a process: enterprise or individual application-acceptance by the guarantee company-preliminary examination stage-institutional review stage-meeting review stage-leadership approval stage-contract issuance guarantee-bank loan-project data archiving. Of course, the guarantee companies in each region are different, and the process of each guarantee business type is also different, and the process of different industries with different application quotas is also different.
2. With the participation of guarantee companies, it will be easier for banks. Mainly to examine whether your loan purpose meets the requirements of lending (for example, some banks do not accept loans to build houses); Check whether your loan object has a bad credit record, etc ... These can be handed over to the guarantee company for you to operate, and the bank can rest assured, because the risks are passed on to the guarantee company, and you can find the guarantee company if you have any questions. Therefore, the guarantee company basically agrees with you. ...
hope this helps ...
3. What is the loan process of the guarantee company?
What is the loan process of the guarantee company?
A loan guarantee company refers to a non-bank financial institution established by domestic commercial banks or rural cooperative banks in rural areas to provide loan services for county farmers, agriculture and rural economic development.
Guarantee company loan process:
(1) Application: The enterprise applies for loan guarantee.
(2) Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.
(3) Communication: communicate with the lending bank to further master the enterprise information provided by the bank and clarify the amount and term of the proposed loan.
(4) Guarantee: determine loan guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, sign guarantee contract with loan banks, and formally establish guarantee relationship with banks and enterprises.
(5) Lending: Banks issue loans to enterprises on the basis of reviewing loan guarantees, and at the same time charge guarantee fees to enterprises.
(6) Tracking: Tracking the loan usage and operation of enterprises, and directly tracking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.
(7) Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repayment in advance and ensure the normal operation of the enterprise's capital flow.
(8) Dissolution: the mortgage registration is cancelled and the guarantee relationship with the bank and enterprise is cancelled with the repayment form of the enterprise bank.
(9) Record: Record the credit situation of this loan guarantee, which is divided into four grades: normal, abnormal, overdue and bad debt, so as to provide credit records for subsequent guarantees.
(10) Filing: all kinds of agreements signed with banks and enterprises, as well as vouchers after loan repayment, vouchers for cancellation of guarantee, etc., are sorted, filed and sealed for future reference.
Matters needing attention in loan of guarantee company:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
4. What is the specific process for the guarantee company to handle the loan?
The specific loan application of the guarantee company and the relevant materials required by the bank shall be reviewed after the materials are submitted. After the approval, relevant contracts shall be signed with the guarantee company and the loan bank, and then the bank will issue loans.
legal ground
Article 12 of the Interim Measures for the Administration of Personal Loans
The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide proof that it meets the loan conditions.
Article 13
After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.