The bank has a credit department to contact.

Second, how to negotiate with the bank to apply for a loan?

This may be difficult! China's system and legal system in this respect are not perfect! I think personal property rights are very important. You'd better apply for a loan in other names. Different banks have different loan standards and loan products. You'd better browse the relevant websites of all banks before applying for a loan. Personally, I think it's easier to get loans from small banks!

What should I do if I want to get a loan from the bank?

First of all, the preparation materials are as follows:

1, valid ID, such as ID card;

2. Proof of permanent residence or valid residence, proof of fixed residence, such as real estate license;

3. Proof of marital status;

4. Proof of income or personal assets;

5, loan use plan or statement;

6. Other information required by the bank.

Second, the loan process:

1, customer application. Customers apply for loans from banks, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the bank examines and passes the application materials submitted by the borrower, the two parties sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. Loans granted with the approval of the bank will be directly transferred to the account by the bank according to the contract after all formalities are completed;

4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

5. loan settlement. If the borrower needs to settle part or all of the loan in advance, he must apply to the bank in advance according to the loan contract, and the bank will go to the designated accounting counter for repayment after passing the examination.

6. After the loan is settled, the borrower shall retrieve the legal documents and relevant supporting documents kept by the bank on the strength of his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department on the strength of the loan settlement certificate.