Although the economy is developing, the high mortgage and car loan make most people breathless. Many people will get a mortgage from the bank in order to get on the bus early and buy their own house.

Mortgage to buy a house, when the original owner receives the down payment, the bank will let the buyer and the seller go to the bank for face-to-face signing as agreed. The buyer signs a loan contract with the bank and the seller signs a loan contract with the bank. After the loan is approved, a loan voucher will appear.

1. What is a bank loan voucher?

There are two kinds of bank loan vouchers. One is the loan certificate before lending, which mainly depends on whether the personal information of the lender is true, whether the personal credit record is good and whether it meets the lending standards. According to such a series of loan vouchers, it is precisely because everyone's loan conditions are different that everyone's loan amount is different.

The other is the loan certificate after the loan. After verifying the information of the lender, the general bank will enter the lending procedure and sign a loan contract. The loan contract is the loan certificate after the loan, which records the lender's loan amount and plan in detail, and is the main certificate for both borrowers and lenders to verify the loan amount in the future.

Second, the bank loan process.

(1) After the front desk of the bank confirms that all the legal documents of the loan are complete and the enterprise meets the pre-loan conditions and the payment method agreed in the contract, it fills in the credit business report and the loan indicator notice and distributes them to the risk management, credit management, financial planning and accounting departments.

(2) After the accounting department has verified that it is correct, it will go through the withdrawal and transfer procedures and transfer it to the deposit account opened by the enterprise in the bank. At this point, all loan processes have been completed and transferred to the post-loan management program.

3. When will the bank loan arrive?

Generally, the bank will notify the lender to accept the loan within 15 working days. However, there are some differences in the arrival time of each bank. Users can call the bank or pay attention to the balance in the card. If you apply for a mortgage, you will be notified by SMS after the loan is released to let the user know the next payment of the mortgage.