Personal bank loan process. The borrower applies for a loan and provides loan credit. If the borrower needs a bank loan, he should directly submit a written application to the bank or its handling institution and fill in the loan application form. The contents of the application shall include the loan amount, loan purpose, repayment ability and repayment method, and the following materials shall be submitted to the bank: 1, basic information of the borrower and guarantor; 2. The financial report of the previous year approved by the financial department or accounting firm, and the financial report of the previous period before applying for the loan; 3, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant documents that the guarantor agrees to guarantee intention; 5. Project proposal and feasibility report; 6. Other relevant materials deemed necessary by the Bank; 7. The application for fixed capital loan shall be accompanied by a feasibility study report, a technical transformation plan or an approved scheme, a preliminary design and a general budget estimate.

Second, the bank's approval 1. The main work at this stage is to confirm the purpose of the review, select the main inspection items, and formulate and start implementing the review plan. 2. Evaluate the borrower's credit rating according to its leadership quality, economic strength, capital structure, performance, operating benefit and development prospect. Rating can be carried out by the lender independently and internally, and can also be carried out by an evaluation agency recognized by relevant departments. 3. The feasibility analysis stage includes finding problems, exploring the causes, and determining the nature of the problems and possible impact procedures. Among them, the analysis of the financial situation of enterprises is the most important, because it is the basis for banks to master and judge the repayment ability of enterprises. 4. Comprehensive judgment The examiner verifies the materials provided by the investigators, judges the current situation, medium-term profit and loss and long-term development of the enterprise, retests the risk of the loan, puts forward opinions, and conducts examination and approval according to the prescribed authority. 5. There are many ways to conduct pre-loan review to determine whether the bank can lend, mainly including A- acceptance survey and profile survey. After the pre-loan review, the bank manager will write a loan review report for approval, and make it clear whether the loan can be released.

Three. The bank that signed the loan contract will review the loan shenqing, and if it considers that all items are in compliance with the provisions and agrees to the loan, it will sign a loan contract with the borrower. In the loan contract, the loan type, loan purpose, loan amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liability for breach of contract, handling and other matters that both parties think need to be agreed. The loan contract shall take effect from the date of signing. Four. After the loan is issued, a loan contract is signed, and both parties can verify the loan according to the contract. The borrower can go through the withdrawal procedures according to the loan contract and make one or more withdrawals according to the contract plan. When withdrawing money, the borrower should fill in the withdrawal voucher uniformly formulated by the bank, and then go through the withdrawal formalities at the bank. Bank loan interest is calculated from the date of withdrawal. After obtaining the loan, the borrower must strictly abide by the loan contract and use the loan according to the purpose and method agreed in the contract. V. Post-loan inspection of banks refers to the supervision and follow-up investigation of the loan withdrawal and related production, operation and financial activities after the borrower withdraws the loan.

Intransitive verbs the recovery of loans and the extension of loans. When the loan expires, the borrower shall repay the loan principal and interest in full and on time as agreed in the loan contract. 1. The bank issues a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and before the medium-and long-term loan expires 1 month. 2. The borrower shall prepare funds in time. When the loan expires, the borrower will generally take the initiative to issue a settlement voucher and hand it over to the bank for repayment. 3. If the borrower fails to take the initiative to repay the loan when it expires, the bank can take the initiative to deduct the loan principal and interest from the borrower's deposit account. If the borrower fails to repay the loan on schedule due to objective reasons, he should go to the bank in shenqing several days in advance to handle the extension, fill in the extension amount and date, and submit it to the bank for review.

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.