How can I get a loan from a bank?

When you go to a bank for a loan, you need to provide some information to the bank for review. After passing the review, you will sign a loan contract and finally wait for the loan. The information you need to borrow money is:

1. Identity proof information: ID card, household register.

2. Marriage certification materials: marriage certificate, unmarried statement, etc.

3. Documents proving local residence: Utility bill payment list for any three months in the past year, etc. or documents that can prove your residential address.

4. Guarantee proof information: proof of ownership of the mortgaged property.

5. Proof of purpose: If the loan is used for education, proof of enrollment, such as admission notice, etc., must be submitted.

6. Documents proving repayment ability: social security account statements, etc.

How to get a personal loan from a bank

1. How to get a bank loan in your own name

1. The borrower applies for a loan to the bank and submits the loan application materials; the bank will conduct a preliminary review of the application materials submitted by the borrower; for borrowers who pass the preliminary review and credit investigation, the bank will review and approve their loan qualifications; if they pass the review and approval, the bank will notify the borrower to sign a contract and go through relevant procedures such as mortgage or pledge; The bank issues the loan after the loan contract takes effect.

2. Legal basis: Article 35 of the "Commercial Bank Law of the People's Republic of China"

Commercial bank loans shall be based on the borrower's purpose of borrowing and repayment ability. , repayment methods and other conditions will be strictly reviewed. Commercial bank loans should implement a system of separation of review and loan and hierarchical review and approval.

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

The procedure for applying for a bank loan is as follows:

1. Prepare the relevant procedures: general loans need to submit The procedures mainly include: loan application form, customer's ID card, household registration book, income certificate, marriage status certificate and other materials. If you are a mortgage loan customer, you need to issue the property title certificate of the mortgage; if you are a guarantee-free loan customer, you need to provide a good

2. Apply to the bank: After preparing the relevant information, the customer can go to the bank or the law firm entrusted by the bank to submit the relevant information to the bank and pay various fees. It is necessary to sign a fixed loan contract with the bank and use it as a legal document binding both parties;

3. Pre-loan approval by the bank: If it is a home purchase loan, first the law firm entrusted by the bank Conduct a preliminary review of the customer's application, and if qualified, the bank will conduct final loan approval; if the review fails, the bank will return the customer's relevant information and explain the situation to the customer;

4. Handle other legal procedures Continued: In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage loan customer, the customer also needs to go to the relevant department to register and file the mortgage for future inquiries;

5. Bank lending: After the customer's relevant travel procedures are completed, the bank Based on the assessment of the borrower, the loan will be reviewed and approved or submitted to the superior for approval. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other relevant details, and issue a loan instruction to transfer the loan item to the customer's account.

How to get a bank loan

Legal analysis: The bank loan process is as follows: 1. The lender applies for a loan to the bank; 2. After the bank receives the application from the lender, it will Conduct an investigation. The bank mainly examines the borrower's personal credit status and personal income status and other related content to determine whether to lend money; 3. After passing the bank's investigation and approval, sign a loan contract with the bank; 4. The bank lends money and the borrower successfully obtains the loan. to the loan.

Legal basis: Article 17 of the "General Principles of Loans" The borrower shall be an enterprise (public institution) legal person, other economic organization, individual industrial and commercial household or registered approved by the industrial and commercial administration authority (or competent authority). A natural person with the nationality of the People's Republic of China and full capacity for civil conduct.

To apply for a loan, a borrower must meet basic conditions such as a marketable product, profitable production and operation, no misappropriation of credit funds, and abide by credit, and must meet the following requirements: 1. Have the ability to repay principal and interest on schedule, and the original loan interest payable and The due loans have been repaid; if they have not been repaid, a repayment plan approved by the lender has been made. 2. Except for natural persons and institutional legal persons that do not need to be approved and registered by the industrial and commercial department, annual inspection procedures must be completed by the industrial and commercial department. 3. A basic account or general deposit account has been opened. 4. Except as stipulated by the State Council, the cumulative amount of external equity investments of limited liability companies and joint stock companies shall not exceed 50% of their total net assets. 5. The borrower’s asset-liability ratio meets the lender’s requirements. 6. When applying for a mid-term or long-term loan, the ratio of the corporate owner's equity of the new project to the total investment required by the project shall not be lower than the capital ratio of the investment project stipulated by the state.

How to get a bank loan?

Hello, loans are generally divided into the following steps: (1) The customer submits basic information, including work unit and contact number. (2) The lending bank or company checks the customer's credit information, and for self-employed individuals and small and medium-sized enterprises, it also needs to investigate their business operations. (3) The staff of the lending unit signs a contract with the customer and implements the loan in the shortest time.

If what you need is, it is recommended that you choose a formal credit platform. As long as you choose a formal and large platform, the safety of your borrowing is guaranteed. It is recommended to use Youqianhua. Youqianhua is a credit brand under Duxiaoman Financial. It provides users with safe, convenient, unsecured, and unsecured credit services. To borrow money, go to the Duxiaoman Financial APP (click on the official amount measurement). Money-to-spend consumer loans, with daily interest rates starting as low as 0.02, feature easy application, low interest rates, fast disbursements, flexible borrowing and repayment, transparent interest rates, and strong security.

Share with you the application conditions for money-to-spend consumer products: they are mainly divided into two parts: age requirements and document requirements.

1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to current students. If you are a current student, please give up the application.

2. Information requirements: During the application process, you need to provide your second-generation ID card and personal debit card.

Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

This answer is provided by Youqianhua. Due to objective reasons such as timeliness of the content, if the answer content is inconsistent with the actual interest calculation method of Youqianhua products, please refer to Duxiaoman Financial APP-Youqianhua Borrowing The page display shall prevail. Hope this answer is helpful to you.

How to get a loan from a bank?

Users can first submit a bank card loan application to the card-issuing bank. Users can handle business at offline counters or online. Then provide the information required by the bank and follow the regulations.

When applying for a loan, you need to provide documents such as income certificate and identity certificate. Generally, the income certificate can be salary statement or self-deposit bank statement, but it cannot only be provided by the bank.

First of all, you can apply through personal online banking: log in to personal online banking, find online loans on the personal page, click "Loan" to find the relevant items and apply. If there is no explanation that the bank does not have relevant services.

You can also apply through mobile banking: after logging in to the card-issuing bank's mobile banking, you can select the relevant online loan under all service options on the home page to apply; the last step is to bring your ID to an outlet to apply.