After the general customer submits the mortgage application, the bank account manager will sort out the materials provided by the customer, and inquire and print other auxiliary materials, such as the information system inquiry of the untrustworthy executor, personal detailed credit report, personal risk rating list, etc. After the information is sorted out, it will be submitted for trial.
After receiving the materials, the audit department will conduct audit through the system as required. If there are any questions or omissions, the account manager will be asked to supplement the materials. After the audit is completed, the auditor shall submit it to the person in charge of the audit department for review.
The person in charge of the audit department shall submit it to the leaders in charge of the branch for examination and approval. After the branch leaders in charge of examination and approval, the examination and approval department shall issue a notice of examination and approval opinions. If approved, the account manager can inform the customer to come to the bank to sign the contract and go through the relevant formalities.
Legal basis: Article 3 of the General Principles of Loans: The issuance and use of loans shall comply with national laws, administrative regulations and management regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity.