Commercial bank loan process

First of all, borrowers need to bring relevant information to apply for loans from commercial banks. The application materials generally include: proof of identity (ID card, household registration book, marriage certificate), proof of income (format specified by the bank), and proof of credit (education certificate, real estate license, etc.). ) and so on.

Secondly, the commercial bank determines that the information carried by the borrower is complete and meets the requirements, accepts the borrower's loan application, and reviews the relevant information provided by the borrower.

Thirdly, commercial banks review loan conditions and decide whether to provide loans according to the independently established loan management system that separates loan review from grading approval.

Then: after the approval of the commercial bank, the commercial bank will sign a loan contract with the borrower.

Finally: the borrower uses the loan according to the loan contract and pays the principal and interest on schedule.

Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).

The loan consultant pointed out that loan is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).

How to handle the loan from China Bank?

If you handle personal loan business in China Bank, you can do it in the loan management-online application function of our personal online banking and mobile banking. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.

The above contents are for your reference. Please refer to the actual business regulations.

What is the procedure for applying for a bank loan?

1. What is the procedure for applying for a bank loan? 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 (for customers with spouses, spouse ID card and household registration book are also required). Customers with mortgage loans need to provide property certificates of collateral; If you are a customer with unsecured loans, you need 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 fails, 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 Lending: After the customer's relevant procedures 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. 2. The enterprise loan needs to be filled in and prepared according to the detailed contents of the required written documents: 1, and the enterprise loan certificate that has passed the annual examination by the statutory issuing authority; 2. Loan application report. The report includes the following contents: basic information of the enterprise, including registered capital, nature of the enterprise, affiliation, office location, telephone number, contact person, main business and enterprise introduction; General situation of enterprise legal person, including name, gender, education level, professional title, occupation and position, performance, etc. ; Write down the loan amount, purpose, term, repayment method and guarantee form in detail, and attach the project feasibility report, purchase and sale contract, etc. ; The financial status of the enterprise, including monetary funds, inventory, total liabilities, total owners' equity, total assets, current net profit and total accumulated profits in the latest year; 3. Financial statements. Including two aspects: the balance sheet, income statement and statement of changes in financial position of the previous year; Current balance sheet and income statement; 4. Relevant certificates and vouchers (both the borrower and the guarantor must submit). These certificates include: a copy of the business license and its copy; Legal person ID card and its copy; If someone else signs instead of a legal person, a copy of my ID card and a power of attorney of the legal person must be submitted (the power of attorney must be signed by the legal person and stamped with the official seal); 5. Materials to be submitted for loan guarantee. That is, a copy of the business license of the guarantee unit and a copy; The financial statements of the guarantee unit, including the balance sheet, income statement and statement of changes in financial position of the previous year, as well as the balance sheet and income statement of the current period; The certificate that the guarantee unit agrees to the guarantee shall be stamped with the official seal; 6. Materials to be submitted for mortgage and pledge of secured loans. Such as: detailed catalogue of mortgage and pledge and proof of property right or ownership; Proof of the value of collateral and chattel pledge; An assessment report on collateral and chattel pledge issued by an intermediary agency designated by the bank; Evaluation of pledge of rights; Documents and certificates registered by the registration authority, etc. The borrower needs to prove whether he has the corresponding loan qualification before handling the loan business with the bank. If the general borrower wants to buy a house through a loan, he needs the time for the local party to pay social insurance and the corresponding certificate, and also needs to evaluate his consumer credit. Therefore, during the period of bank loans, borrowers should maintain good credit.

Loan process

Bank loan procedures:

1, loan application. Borrowers apply for loans from local banks.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signed a contract with the borrower to borrow money from Daqiao.

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Post-loan reflection.

9. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.

1. Conditions for applying for bank loan business:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank.

If you meet the above conditions, you can apply for a loan business at a local bank.

2. Repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks' housing provident fund loans and commercial personal housing loans have adopted this Liang Fang Shili style. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Bank credit business process

1 Enterprises apply and submit relevant documents.

The bank conducts an investigation and completes the loan investigation report.

3. The bank conducts internal review, inspection and approval of the loan.

4. Sign the loan contract and handle the relevant mortgage and notarization procedures.

Use the money and pay interest according to the contract.

After the loan is issued, the bank shall inspect and supervise the loan use and mortgage of the enterprise. Repayment or deferred repayment.

Extended data:

Credit, that is, credit and lending. Bank credit refers to monetary lending with interest as the intermediary.

In this paper, the bank is used as an intermediary to define the credit form and its development stage. It only refers to lending through banks, excluding commercial credit between enterprises, national credit issued by financial bonds, private credit between individuals and consumer credit between merchants and consumers, not to mention the pre-capitalist society. Nowadays, banks have developed into professional and independent financial intermediaries, specializing in indirect financing of deposit currency operation, which can be combined with securities credit, commercial credit and consumer credit and incorporated into their own circulation.

The condition of repayment of interest means that the loan must be conditional and the premise of repayment of principal and interest must be set. Banks engaged in borrowing, using and collecting debts must abide by the general principle of debt, that is, repay interest, otherwise it will lead to bankruptcy and endanger society. Financial allocation, enterprise's own funds, charitable donations, gifts, relief and other funds do not need to be conditional on debt service.

Money lending means that the object of lending can only be money, and it is impossible to engage in physical lending. Banks only deal in money, and there is no difference between money and goods. They can be exchanged with all commodities and represent all the wealth of society. Only when the bank's lending behavior is widely social can it play a role in guiding the rational flow of social resources and help reduce the costs of both borrowers and lenders.