Nine links in the loan process

What links does the bank's loan procedure include?

The basic purpose of the loan operation procedure is to understand and master the information of the borrower and the loan, so as to judge the borrower's credit degree and repayment ability, judge the risk of the loan, ensure the safety of the bank's credit funds, and realize the bank's business objectives. Specifically, the loan procedures of commercial banks include the following links:

(1) loan application. Any borrower who meets the loan conditions must fill in the loan application form when applying for a loan from the bank.

(2) Pre-lending investigation. After accepting the borrower's application, the bank shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.

(3) loan approval. Loan approval includes two links: loan review and approval. The review is actually a re-demonstration of loans and loan projects, especially the projects need to be further reviewed from the technical and economic aspects. Banks should carry out examination and approval in accordance with the loan examination and approval system of "grading responsibility, collective examination and approval, one-person examination and approval" and "separation of examination and loan, grading examination and approval".

(4) sign a loan contract. After the loan is examined and approved, the lender and the borrower shall sign a loan contract in accordance with the provisions of the contract law. A mortgage contract should also be signed for mortgage loans, and a guarantee contract should also be signed for secured loans. The main contents of the contract include: the type, purpose, amount, interest rate, term, repayment method, liability for breach of contract and guarantee terms of the loan. When signing a contract with customers, banks should pay attention to the legality of the contract and the strictness of the contract terms.

(5) granting loans. The lender shall issue the loan on schedule as agreed in the loan contract, otherwise, it shall pay liquidated damages. When issuing a loan, the borrower should first fill in the "loan receipt" and transfer the loan in full to the borrower's account for the borrower's use.

(6) Post-loan inspection. After the loan is issued, the bank shall track and check the borrower's performance of the contract and the borrower's credit standing. The main contents of the inspection include: ① whether the borrower uses the loan according to the purpose stipulated in the contract; ② Changes in the borrower's assets and liabilities; ③ occupation of lateral branches; (four) the construction progress of the loan project; ⑤ Loan risk prediction. When problems are found, they should be dealt with in time.

(7) Loan recovery. When the loan expires, the borrower shall repay the loan principal and interest in full and on time as stipulated in the contract. The bank must issue a notice of repayment of principal and interest to the borrower before the maturity date of short-term loans 1 week and before the maturity date of medium-and long-term loans 1 month. If the borrower fails to repay the principal and interest on schedule, it shall submit a written application for extension to the bank within the above period. If the bank does not agree to the extension, it should be transferred to the overdue loan account. Penalty interest and other sanctions are generally taken for overdue loans.

What are the procedures for banks to handle loans?

Bank loan process

1. Apply for a loan, and bring information to the bank outlets to apply for a loan.

2. Audit: The bank verifies the applicant's credit information, assets, personal data and other information.

3. sign the contract. After passing the examination, the bank signs a loan contract with the lender.

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

5. When repaying the loan, the lender shall repay the loan principal and interest in full according to the time agreed in this contract.

What problems should be paid attention to when buying a house with a bank loan?

1. You need to choose a mortgage according to your actual situation. It does not mean that the larger the loan amount, the better. You should know that you need to pay interest later. The larger the amount and the longer the time, the higher the interest required.

2. Before applying for a bank loan, you need to prepare all the materials to avoid wasting too much time in preparing the materials later. In addition, if there is a problem with the credit, you need to apply for clearing in advance.

3. The bank staff will review the submitted materials, so the applicant must ensure that the materials provided are true, so as not to lead to longer loan processing time or even unnecessary troubles.

At present, there are two repayment methods of bank loans: equal principal and interest and average capital. Lenders need to choose according to their own economic conditions.

After handling the loan, even if you have enough money, you don't need to repay in advance. If you really want to pay off the debt, you have to wait until 1 year and pay the repayment amount for more than half a year.

6. Repayment should be made according to the monthly repayment date agreed in the contract, and the monthly payment must be credited to the corresponding bank card before the repayment date to avoid unnecessary troubles.

The process of loan

Hello, the loan is generally divided into the following steps: (1) The customer submits basic information, including the work unit and contact telephone number. (2) Lending banks or companies should check the credit information of customers, and investigate the operating conditions of self-employed and small and medium-sized enterprises. (3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

If what you need is, I suggest that you can choose a formal credit platform. As long as the formal platform is selected, the loan security is guaranteed. It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

What procedures and methods do you need to borrow money from a bank?

Loan procedures:

1, loan application. Borrowers apply for loans from local banks. In addition to applying for rural loans, other types of loans should also provide relevant information.

(1) Basic information of the borrower and guarantor;

The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;

(3) Rectification of original unreasonable loans;

(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;

5] Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the Bank.

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 signs a loan contract with the borrower.

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. 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.

China Bank Housing Loan Process

If you need to apply for a personal first-hand housing loan, the application process is as follows:

1. The applicant submits the purchase information, pays the down payment, and signs the commercial housing sales contract;

2. The applicant submits a written application for individual first-hand housing loan and provides the above application materials;

3. The loan handling bank comprehensively evaluates the credit status and solvency of the applicant and guarantor, conducts pre-loan investigation and completes customer information verification;

4, the loan handling bank after accepting the loan application, the corresponding examination and approval;

5. After the loan application is approved, the borrower and the guarantor shall go through the relevant loan procedures within the specified time, and personally go to the loan handling bank to sign the relevant contract and go through the formalities of using the money within the specified time;

6. The borrower clearly stipulates the repayment method and repayment plan in the loan contract, and authorizes the lender to take the initiative to deduct the loan principal and interest from the account designated by the borrower on the agreed repayment date.

Please consult the local branch of Bank of China for details.

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