What are the detailed steps of the bank loan process?
Applying for bank loans is divided into online and offline. The channels for applying for loans are different, and the steps for applying for loans will be different.
1. online loan application: if you apply for a loan online, it is generally a personal consumption loan. The loan amount is not very large, and most of them are approved by machines. The main stages are divided into the following points.
1. Log in to the mobile phone application of the loan application bank or the bank official website.
2. After logging in successfully, select account registration, and then click "I want a loan" to find the product you want to borrow.
3. Fill in personal information according to the pop-up prompts, generally including photos of the front and back of the ID card, mobile phone number, bank card, work place, income status, target loan, etc. Loan application amount, etc.
4. After loading the relevant information, click "View Loan Amount", and the banking system will begin to approve the borrower's loan application.
5. After the loan is approved, the borrower can clearly check the available amount, loan interest rate and other detailed information on the loan page.
6. The borrower clicks "Apply for Loan", indicates the required loan amount and repayment period, submits the application, reads the loan agreement and signs the loan agreement. Loan funds usually arrive on the same day.
2. Online loan application: Borrowers apply for loans offline, and there are more loan steps than online. Because there are many loan products that can be applied offline, such as mortgage, car loan and commercial loan, the loan application materials and processes that need to be submitted are different.
In most cases, the offline loan application process includes: borrower application-review documents-loan investigation (guarantor investigation and collateral investigation, if any)-loan approval-signing agreement-mortgage registration (if any)-loan issuance-mailing-loan management-loan repayment.
Take individual housing loan as an example. Before applying for housing loan, the borrower needs to provide personal information, down payment certificate, sales contract signed with the developer and fill in the form. Loan application form.
1. After receiving the loan application form, the bank enters the preliminary examination stage. Mainly check whether the loan application materials are correct and whether the borrower's credit information and income are correct.
2. After the first trial is passed, the bank will notify the borrower for an interview. The interview is mainly to ask the borrower a few detailed questions. If the borrower answers a lot wrong, it may be rejected.
3. After the interview is passed, the borrower can sign a loan agreement with the bank and wait patiently for the loan to be issued.