Users who want to borrow money to do business can apply for entrepreneurial loans, commercial loans, corporate loans and so on. As long as you meet the relevant conditions of the loan, you can go directly to the bank to submit a loan application. After the bank accepts the application, it will set up a safe deposit box for the user. After the application is approved, it will inform the user to sign a loan contract, and then approve the loan according to the procedure. The borrower only needs to repay the loan on time.

If there is collateral at the time of the loan, the mortgage cancellation procedures need to be handled after the loan is settled.

How can I get a loan from the bank if I want to open my own shop?

1, prepare data. Individuals should first prepare the materials needed to borrow from the bank, including loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials. If it is a mortgage customer, it is necessary to issue a certificate of property rights of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

2. apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.

3. Payment review. 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 audit fails, the bank will return the relevant information of the customer and the fees charged.

4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register the mortgage in the bank for future inquiry.

5. Bank loans. After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

Extended data

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

I. Application conditions

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Second, the required materials

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Reference from Baidu Encyclopedia Bank Loan

I just started a business and want to get a loan from the bank. What formalities do I need?

Handler:

1, customer application

Fill in the loan application form as required.

2. Materials submitted by customers

The applicant's identification materials, including valid ID card, residence booklet and residence certificate. If you have a spouse, you should also provide a marriage certificate, a spouse's identity card and relevant identification materials.

(1), business license of individual owner, tax payment certificate, etc.

(2) If the loan application requires guarantee (including mortgage and guarantee), the guarantee materials shall be submitted.

Step 3 review

(1) Whether the materials submitted by the customer are complete, whether the official seal affixed is clear, whether the name of the loan enterprise is consistent with the business license, and whether the materials are complete, legal, standardized, true and effective.

(2) Currency, term, amount, guarantee method, loan purpose and negotiation content of credit business.

Whether it matches.

(3) Whether the application purpose, term, amount, guarantee method and basic information of the entrusted agent of credit business are consistent with the resolution of the shareholders' meeting or the board of directors. Whether the signatories of relevant resolutions comply with the articles of association and organizational documents.

(four) the business license and other valid documents that have passed the annual examination.

(5) review of mortgage or guarantee materials, whether the collateral is sufficient and whether the guarantor has the ability to guarantee in full. After the customer's application materials are audited, if the materials are incomplete, the agent shall return the application materials to the customer and make explanations. If the materials are complete, check the original, and the customer will sign the copy, and the signature is consistent with the original. Fill in the Credit Business Evaluation Handover Form after confirmation. Entering the investigation stage should be completed within half a working day.

4. Credit evaluation

(1) The overall credit status of customers, including the credit status of the People's Bank of China and the social credit status.

(2) Balance sheet and real estate status.

(3) Whether the loan purpose and repayment source are reliable.

(4) Whether mortgage or guarantee is feasible.

Step 5 agree

6. Implement pre-loan conditions

7. Sign contracts, including guarantee or mortgage contracts.

Step 8 support

9. Credit registration

10, accounting

1 1. Post-loan inspection

12, loan recovery

Extended data:

According to different classification standards, there are many types of bank loans. For example:

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the loan scale, it can be divided into wholesale loans and retail loans;

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.