How to apply for a bank loan?

1, go to the bank to learn about it. After meeting the conditions for buying a house with a bank loan, apply for a personal housing loan with relevant materials.

2. Then accept the bank's review of you and determine the loan amount.

3. Next, you can apply for a loan contract, and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.

4. What is left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

5. The bank confirms that the property buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the Building Mortgage Loan Contract. After going through the relevant formalities, the loan will be transferred to the bank account opened by the developer in the bank at one time as a personal housing loan business guaranteed by the purchaser's purchase payment in installments.

What are the terms of the bank loan?

1. Original and photocopy of the borrower's valid identity certificate (in which the borrower's age must meet the basic conditions of 18-65 years old). Local permanent residence or valid proof of residence. Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

2. The borrower obtains the pledge, the list of collateral and the ownership certificate required for the pledge and mortgage amount, and the written document of the owner and the real estate * * * agreeing to pledge and mortgage. The Guarantor agrees to provide the written documents of the guarantee and the guarantor's credit certificate required by the borrower to obtain the guarantee amount (not required if it is a credit loan).

3. Collateral evaluation report issued by the socially recognized evaluation department (this material is required for mortgage loans, and other materials are not required). Other documents and materials stipulated by the bank. Different banks and different loan products require different conditions. It is suggested that users in need can call the bank customer service or credit manager directly.

How to handle bank loans? How to handle bank loans?

1. Prepare loan information, which usually includes ID card, marital status, credit information, assets and loan purpose.

2. Apply for a loan from the bank.

3. The bank conducts qualification examination for customers. If the audit fails, you need to resubmit the information. If the review is passed, the loan scheme can be determined.

4. The bank and the borrower reached an agreement on the loan amount, term and interest, and the bank loan manager began to write an investigation report.

5. The risk control part of the bank re-examines the investigation report and customer information, and then carries out the next examination and approval.

6. Bank loans need the approval of the president, and the loan contract can only be signed after the approval.

7. After signing the loan contract, the bank will lend normally.

How to get a loan from a bank

Going to the bank for a loan can be roughly carried out as follows: 1. Prepare materials. Individuals should first prepare the materials needed to borrow from the bank, which generally include loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If it is a customer with a mortgage loan, it is necessary to issue a property certificate 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. Then there is a bank loan. Provisions of the Supreme People's Government on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 25 If a lender requires the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the market rate of one-year loan when the contract is established. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th.

How do individuals borrow money from banks?

1. How can I borrow money from a bank in my own name?

1. The borrower applies for a loan from the bank and submits the loan application materials; The bank conducts a preliminary examination of the application materials submitted by the borrower; The bank will examine and approve the loan qualifications of borrowers who have passed the preliminary examination and credit investigation; If it is approved, the bank will notify the borrower to sign the contract and go through the relevant procedures such as mortgage or pledge; Banks issue loans after the loan contract comes into effect.

2. Legal basis: Article 35 of People's Republic of China (PRC) Commercial Bank Law.

Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

2. What is the procedure for applying for a bank loan?

The procedures for applying for bank loans are as follows:

1. Prepare relevant procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials. If the customer is a mortgage loan, the property right certificate of the collateral needs to be issued; If it is a customer with unsecured loans, it is necessary to provide a good credit record;

2. Apply to the bank: after preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties;

3. Approval before bank lending: 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 is unqualified, the bank will return the relevant information of the customer and explain the situation to the customer;

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 also needs to go to the relevant department to register the mortgage for future inquiry;

5. Bank loan: After the customer's relevant travel formalities 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.

How to handle personal loans from banks?

I. Application conditions

Conditions for applying for personal loans:

First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Generally meet the above conditions, you can apply for a loan from a commercial bank.

Second, the application procedure

1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;

4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

To apply for a personal credit loan from a bank, you only need the loan applicant to have a stable job and income. The general loan amount is between 654.38+0,000-500,000, and the longest loan period is 5 years. Usually, the loan can be released within 1 working days after the data approved by the bank, which is a fast loan scheme with no mortgage and simple operation.

Extended data

Loan cost:

(1) lawyer examination fee. In the process of applying for a loan, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer entrusted by the bank, and this fee is generally borne by the applicant. This expense in Guangzhou is borne by the bank. The lawyer's entrustment fee is generally 3‰ of the loan amount.

(2) notarization fee. If the loan applicant is a husband and wife or a house buyer, others should make a statement whether they agree to mortgage the house to the bank, which needs notarization.

(3) Property registration fee. After the property buyers get the real estate license, they should go to the registration authority for mortgage registration and pay the registration fee.

(4) insurance premium. When applying for a mortgage loan, the borrower shall handle property insurance for the collateral. During the mortgage period, the insurance policy shall be kept by the lender, that is, by the lending bank. The property insurance rates of different insurance companies are slightly different. The notarization fee, mortgage registration fee, insurance fee, certification fee, evaluation fee, deed tax, stamp duty and other related taxes and fees involved in obtaining loans from banks shall be borne by you.