I. Bank loan approval process
Step 1: Sub-branch: The customer provides the necessary elements and auxiliary parts according to the requirements of the bank, and supplements them before the evaluation report is delivered and the bank account manager makes the loan file. This can adjust the schedule as a whole and speed up the loan approval.
Step 2: Inquire the credit information of the lender.
Step 3: Report for review, or not report for review. Evaluate the loan amount.
Step 4: loan approval, which is carried out in accordance with the loan management system of separating loan approval from grading approval.
Step 5: Sign a contract, and the bank signs a loan contract with the borrower.
Step 6: The leader signs, all the documents and materials submitted by the bank account manager are completed, and the evaluation report comes out. Bank account managers make papers, double sign them, leaders sign them, enter them in the system (some banks are examiners), and submit them. Take notes and fill in contracts and documents. Double signing refers to the certificate that two or more account managers or competent leaders with signing authority must sign the document to confirm that the document is complete and the information is true and reliable. Leadership signature generally refers to the signature of the president in charge of the branch. Generally, the application is made through the return channel between the branch or sub-branch and the branch or the head office, and some account managers do their duty and send it directly to the examination and approval center. There are also branches of some banks that have the power of examination and approval, that is, they can make their own papers and submit them directly to their superiors for examination and approval.
Step 7: The branch approval center or the loan auditor with the approval authority of the branch shall conduct the approval.
Step 8: After passing the examination, apply for registration. The bank will inform the lender that the loan has passed the examination and approval, and will give feedback to the branch to make the loan. The account manager will ask the customer to register, which can basically be completed on the same day. Generally, it will be completed by the accounting department within one or two working days.
Step 9: Post-loan management. After the bank issues part of the money for directional use, it will ask the lender to provide proof of use. The time is basically agreed to be one month after the loan is issued. If it cannot be provided, the loan will be recovered in advance.
Second, the loan object conditions
1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland;
2. Pay the down payment (not less than 30% of the total purchase price);
3. Have a stable economic income and the ability to repay the loan principal and interest;
4. Agree to use the purchased property as loan collateral.
1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;
2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;
3. Guarantor;
4. Information provided: ID card, household registration book, proof of marital status, proof of income, real estate license, ID card, household registration book, proof of marital status of guarantor and other relevant information required by the bank.
You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee.
Three. Materials required for application
1. Original and photocopy of resident ID card;
2. The original and photocopy of the house subscription book;
3. The original and photocopy of the down payment;
4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.
Four. Personal loan repayment method
1. Repay in equal amount every month according to the provisions in the signed repayment contract. The customer shall voluntarily deposit the monthly loan principal and interest into his house purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;
2. prepayment: the customer should apply to the bank one month in advance, and the loan interest can be exempted in advance, but the interest rate is still implemented at the same time as the original loan term.
Calculation of loan repayment If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum, and the interest will be paid with the principal; If the loan term exceeds 1 year, the repayment method shall be equal, and the loan principal and interest shall be repaid in monthly installments.
Personal housing loans, with the consent of the lender, the borrower can repay in advance. The borrower can choose the following two ways to repay in advance:
(1) Full prepayment
The borrower may apply for one-time prepayment of the outstanding loan principal and interest.
(2) Partial prepayment
The borrower applies for partial prepayment, and concentrates the loans that should be repaid in installments throughout the loan period in one installment. The remaining outstanding loans can be handled by shortening the original agreed repayment period, or keeping the original agreed repayment period unchanged and reducing the monthly repayment amount.