What is the bank loan application process?

1. Prepare the relevant formalities: The procedures to be submitted for general loans mainly include: loan application, customer's ID card, account book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and account book are also required). If they are customers with mortgage loans, they need to issue property certificates of collateral; If it is a customer of unsecured loan, it is necessary to provide a good credit record. 2. Apply to the bank: After the relevant materials are prepared, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank, and 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 makes a loan: if it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the review fails, the bank will return the relevant information of the customer and explain the situation to the customer. 4. Handling other legal procedures: In addition to the contract, the customer also needs to handle some legal procedures. If it is a mortgage customer, the customer also needs to go to the relevant departments to register and put on record the mortgage for future enquiries. 5. Bank Lending: After the relevant procedures of the customer are completed, the bank will approve the loan or submit it to the superior for approval according to the evaluation of the borrower. Then, the staff will inform the customer about the loan amount, loan term, loan interest rate and other related details, and issue loan instructions to transfer the loan items to the customer's account. An application for a personal loan shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Legal basis

Article 11 of the Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:

(1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

what is the formal review process for bank lending?

The formal review process of bank lending is as follows:

1. Qualify the borrower

Verify the borrower's permanent residence and identity certificate; Whether there is a stable source of income and whether the loan principal and interest can be repaid on time; Whether there is collateral approved by the bank and whether there are fixed assets under its name; Whether there is any personal bad credit record.

2. Conduct pre-loan investigation and write investigation report

Pre-loan investigation is to comprehensively evaluate the overall credit status of customers and the risk status of loans, and finally form a comprehensive evaluation opinion on loans, including personal basic situation investigation, personal credit status investigation, personal assets and liabilities investigation, personal loan use and repayment source investigation, and guarantee method investigation.

The investigation report is a "pre-lending questionnaire" filled out by investigators after sorting out and analyzing the investigation results, which includes the methods adopted in the pre-lending investigation; Investigation opinions on personal loan application, repayment ability, repayment willingness guarantee and other circumstances.

3. The auditor conducts the loan audit

The audit contents include whether the application materials are in compliance and whether the contents filled in the application approval form are complete; Whether the Pre-lending Questionnaire and Personal Customer Credit Evaluation Report issued by the pre-lending investigators are objective and detailed.

4. The loan is approved by the relevant departments.

The main contents of the approver include whether the borrower has the conditions for issuance; Whether the purpose of the loan conforms to the provisions on credit; Whether the loan term, amount and interest rate meet the loan provisions; Whether the loan risk prevention measures are legal and effective; Whether the borrower's credit rating and loan proposal are effective.

Bank loan approval process

Bank loan approval process: 1. Basic information of borrowers and guarantors; 2, the financial department or accounting (audit) firm approved the financial report of the previous year, and the financial report of the previous period of the loan application; 3, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, certificate of consent of the person who has the right of disposition to mortgage and pledge, and relevant certificate of the guarantor's intention to agree to guarantee; 5. Project proposal and feasibility report; 6, credit cooperatives that need to provide other relevant information; Second, the credit rating assessment, credit cooperatives to assess the borrower's credit rating; Three, loan investigation, credit cooperatives to investigate the legality, safety and profitability of borrowers; Four, loan approval, credit cooperatives according to the loan management system of loan separation and grading approval for loan approval; Five, the signing of the contract, the credit cooperative and the borrower signed a loan contract; Six, loan issuance, credit cooperatives in accordance with the provisions of the loan contract to issue loans; Seven, after the loan inspection, credit cooperatives on the borrower's implementation of the loan contract and the borrower's business situation to conduct a follow-up investigation and inspection; VIII. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time.

loan approval process

loan approval process: 1. Prepare relevant procedures, which generally include: loan application, customer's ID card, account book, income certificate, marital status certificate and other materials. 2. After applying to the bank, submitting relevant materials to the bank or the law firm entrusted by the bank and paying various fees by the customer, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Before the bank approves the loan, the law firm entrusted by the bank first conducts the preliminary examination of the customer's application, and if it is qualified, the bank conducts the final loan approval; 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. 5. Bank lending. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

If the bank approves the loan process, you will win

Compared with the mobile phone loan, the approval time of the bank loan is obviously longer. The main reason is that the bank has a relatively perfect risk management mechanism, and the strict loan approval system is one of them. Next, let's take you to understand what the bank loan approval process is like.

before the loan approval begins, the borrower should first apply to the bank for a loan, and then the account manager will make initial contact with the borrower to understand the borrower's financing needs. After the bank has accepted the customer's application, it will start the loan approval, and the process is as follows:

1. Pre-loan investigation

At the beginning of the loan approval process, the bank will conduct a pre-loan investigation on the customer's relevant information, mainly investigating four major contents, namely, whether the personal basic situation is true, whether the credit information is good, whether the repayment ability is available, and whether the loan purpose is true and legal.

second, determine the loan scheme

determine the loan scheme, that is, the borrower and the lender negotiate on the credit line, term, interest, guarantee method and other contents. After the negotiation, the account manager can write an investigation report.

iii. loan review

after the account manager writes the investigation report, he will hand over all the customer loan information to the risk control department for review, and the risk control department will evaluate the risk of this loan, and finally approve it, or propose amendments to inappropriate places.

iv. loan approval

after the review, the loan needs to be submitted to the bank president for approval, and the loan contract can be signed after the approval.

v. loan review

if you want to get a loan, you have to pass the loan review. The loan review mainly depends on whether there are any irregularities in the previous review process, and if not, you can smoothly lend money.