The first step of rural commercial bank loan is to ask the applicant to go to the bank to consult the situation and choose the loan product that suits him.
The second step is to submit all kinds of materials and certificates, and the bank will tell you in detail. You just need to prepare according to the regulations of the bank.
Some places require applicants to provide guarantors or guarantee companies to guarantee themselves, and the guarantee companies will charge a certain guarantee fee.
The third step, the rural commercial bank examines the applicant's materials, approves the loan and signs the loan contract.
Finally, the borrower should pay attention to the repayment period and repay the principal and interest on time.
2. What are the loan procedures and requirements of Wufeng Rural Commercial Bank? For example, there are ...
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3. What conditions do rural commercial banks need for mortgage loans?
Now there are credit loans to attract borrowers, but general credit loans can only be used for loans, and mortgage loans can generally be used. Almost every bank must take over the mortgage business, the loan process and the rural business. At present, there are many lending institutions, but general credit loans can only lend a small part. It is only possible to use a mortgage loan. Almost every bank needs a mortgage. Next, let's take a look at the mortgage process of rural commercial banks and what conditions rural commercial banks need for loans.
Rural commercial bank mortgage loan
1. The borrower shall fill in the loan application form, including the loan amount, loan purpose, repayment ability and repayment method, and provide information. The borrower's credit rating should be evaluated according to its performance, operating efficiency and development prospect.
2. After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. Lenders should establish a loan management system with separate approval at different levels.
3. All loans shall be stipulated in the loan contract between the lender and the borrower, and the payer shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and operation.
What conditions do rural commercial banks need for loans?
1. The original loan interest payable and the loan due have been basically paid off; The repayment plan approved by the lender; Except for natural persons and without the approval of the industrial and commercial departments, the industrial and commercial departments shall not handle the annual inspection procedures.
2, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans are submitted to lending institutions on a regular basis.
3. To apply for guarantee or mortgage loan, there must be qualified collateral or pledge. The loan guarantor must be an enterprise or economic entity that has opened a credit guarantee in a rural credit cooperative.
4. To apply for loans for fixed assets, real estate and other projects, the proportion of lenders must meet the requirements of the State Council, and there must be effective documents according to project management.
5. Unless otherwise stipulated by the State Council, the accumulated amount of limited equity investment shall not exceed 5% of its net assets.
6. Lenders of rural credit cooperatives must go through the annual inspection procedures at the People's Bank of China.
The above article introduces the mortgage loan process of rural commercial banks and the loan conditions of rural commercial banks. Through the introduction of the above article, do you know anything about this? If you want to make a mortgage loan in a rural commercial bank, there are still many processes to go. In order to run them smoothly, you must understand them clearly.
4. What should I prepare to apply for a loan from a rural commercial bank?
Information to be provided by the borrower
1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3. Proof of income (format stipulated 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.
Rural commercial bank loan process:
1, voluntary application. Eligible applicants submit written applications (some of which can be directly submitted to local human resources and social security departments or guarantee institutions) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or relevant certificates;
2. Review and recommend. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund in accordance with relevant regulations;
3. Promise. The guarantee institution shall review the applicant's projects in accordance with the relevant provisions, and handle the guarantee procedures for those who meet the conditions;
4. Issue loans. The loan applicant promised by the guarantee institution shall, after being examined and approved by the handling bank in accordance with relevant regulations, sign a contract and issue loans. The handling bank refers to all kinds of financial institutions at all levels that have signed cooperation agreements with guarantee institutions to carry out small-sum secured loan business.
Extended data:
According to the general principles of loans:
Article 7 Self-operated loans, entrusted loans and special loans:
Self-operated loan refers to a loan independently issued by the lender with funds raised in a legal way. The risk is borne by the lender, and the principal and interest are recovered by the lender.
Entrusted loans refer to loans provided by clients such as government departments, enterprises, institutions and individuals, and issued, supervised and recovered by lenders (trustees) according to the loan object, purpose, amount, term and interest rate determined by the clients. The lender (trustee) only charges the handling fee and does not bear the loan risk.
Specific loans refer to loans granted by wholly state-owned commercial banks with the approval of the State Council after taking corresponding remedial measures for the losses that may be caused by loans.
Article 8 Short-term loans, medium-term loans and long-term loans:
Short-term loans refer to loans with a loan term of 1 year (inclusive).
Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years).
Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).
Article 9 Credit loans, secured loans and bill discounting:
Credit loan refers to the loan issued by the borrower's credit.
Secured loans refer to secured loans, mortgage loans,
Guaranteed loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), with the borrower undertaking general guarantee liability or joint liability as promised.
Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC).
, refers to the loan issued with the movable property or rights of the borrower or the third party as the pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC).
Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper.
Article 10 Except for entrusted loans, when the lender issues loans, the borrower shall provide guarantees. The lender shall strictly examine the repayment ability of the guarantor, the ownership and value of the collateral, and the feasibility of realizing the collateral.
After the loan review and evaluation, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.