Lender's account number: refers to the designated account to which the banking system transfers the loan. Because the loan is issued by transfer, the account number of the lender is generally the deposit account number opened by the borrower in the bank, which is also commonly known as your deposit account number.
Repayment account number: Repayment account number is an account number specially used for repayment (deposit for repayment). If it is an account that the bank calls you after applying for a personal housing loan from the bank, the individual needs to designate a bank card or passbook account as an account for repayment on schedule in the future.
The bank deducts money from the repayment account every month.
Extended data:
Conditions for bank loans:
Generally speaking, personal loans need to meet the following basic conditions:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.
Specific steps of bank loan:
1. The account manager receives customers and conducts preliminary negotiations. The bank account manager will know the basic information of the customer and introduce the banking products that the customer may use according to the customer information. Every customer's situation is different. Some people don't need to fill in this certificate for their accounts locally, and so on. As long as the evaluation report is completed and handed over to the bank account manager before the loan document is completed.
2. After signing the contract, the bank account manager will immediately conduct a personal credit survey in the background. This can only be done when the customer signs the power of attorney (the central bank's policy of protecting privacy). Whether to submit the evaluation report.
3. After signing the contract, the account manager will directly find a qualified evaluation company for evaluation. If the other party provides a copy of the real estate license and ID card, the appraisal company will contact the other party on the day of field investigation. The evaluation value directly affects the loan amount. For example, the loan amount for the purpose of purchasing a house by mortgage consumption cannot exceed 70% of the assessed value and purchase value of the house.
4. When the documents of the lender are completed, the appraisal report is received. The bank account manager is responsible for the writing, double signing, leadership signing, system entry and reporting of the paper. Do a good job of paperwork and fill in contracts and documents. The approval center or branch has the approval authority of the loan auditor. The first audit mainly reviews the integrity of the data in the document and conducts the second telephone verification. Investigate the authenticity of data, provide the reliability of documents, and give preliminary opinions according to the information provided by customers and the credit status score of customers.
5. If it meets the policy, the loan term, interest rate, loan amount, etc. You can give it, and finally lend it.