Agricultural bank loan approval process

How are bank loans reviewed? It will go through these processes!

Many people encounter an urgent need for money, the first time will choose the bank loan to solve the problem. As a borrower, just provide personal information to the bank and wait for the bank to review. So how does the bank review?

1, the borrower's eligibility

Verify the borrower's permanent residence and proof of identity; whether there is a stable source of income, whether it can repay the loan principal and interest on time; whether there is any bank-approved collateral, whether there is any fixed assets in the name; whether there is a personal bad credit record.

2, pre-credit investigation, investigation report

Pre-credit investigation is the overall creditworthiness of the customer's overall credit status of the loan risk situation and ultimately the formation of a comprehensive evaluation of the loan, including personal basic investigation, personal credit investigation, personal assets and liabilities investigation, personal loan purposes and repayment sources of investigation, security mode investigation. Investigation report is the investigator to organize and analyze the results of the investigation to fill in the "pre-credit questionnaire", the contents of the pre-credit investigation of the way taken; personal loan application, repayment ability, repayment of the willingness to guarantee the situation as well as other circumstances of the investigation opinion.

3, the audit staff for loan audit

Audit content, including whether the declaration materials are compliant, the application approval form filled in the contents of the complete; pre-credit investigation staff issued by the pre-credit questionnaire, "personal customer credit evaluation report" is objective and detailed.

4, the relevant departments for loan approval

Approval of the main content of the borrower's whether the conditions for the issuance of loans; borrowing purposes in line with the provisions of the relevant credit; loan period amount of interest rates in line with the provisions of the loan; the loan risk prevention measures are legitimate and effective; the borrower's credit rating and the loan proposal is valid.

What is the process of bank loans

Bank loan approval process: 1, contact. Either the customer to the bank, or the account manager to take the initiative to the door, in short, the first step, is the customer and the bank for the initial contact, indicating the financing needs. 2, pre-credit investigation. Contact, the bank will begin to do pre-lending investigation, collect relevant information, including basic customer information, basic information on related enterprises, basic project information, development prospects, policy or industry environment, to be guaranteed by the person or thing information, etc. 3, program negotiations. 4, loan review. Negotiate a good program, write a good investigation report, all business information will be handed over to the wind control department for review. 5, loan review meeting (non-essential): some projects are larger, or business is more special, or there are special management requirements, will convene a loan review meeting for collective deliberation. 6, loan approval: the wind control review (loan review meeting deliberations) through the business needs to be submitted to the person who has the right to (usually the president or the authorized vice-president, some banks have an independent approver), the bank will be able to provide the loan review. Some banks have an independent approver) for approval. 7, sign the contract, do the formalities: after the approval, the customer and the bank to sign the relevant contract, the mortgage and other formalities, you can wait for the lending. 8, lending review: 9, post-loan management 10, recovery: the loan expires, the principal and interest recovered on time, the smooth end of a business, everyone breathed a sigh of relief.

Bank Loan Approval Process

Bank Loan Approval Process: 1, the basic situation of the borrower and the guarantor; 2, the financial department or accounting (auditing) firms approved by the financial report of the previous year, as well as the borrowing application for the previous period of the financial report; 3, the original unreasonable occupancy of the loan to rectify the situation; 4, the collaterals, pledge List of collaterals, pledges and certificates of consent to mortgage or pledge by the person with the right of disposition and relevant certificates of the guarantor's proposed consent to guarantee; 5. Project proposal and feasibility report; 6. Other relevant information deemed necessary by the credit union; ii. Credit rating assessment, whereby the credit union evaluates the borrower's credit rating; iii. Loan survey, whereby the credit union surveys the legitimacy, safety, profitability and other circumstances of the borrower; and iv, Loan approval, the credit union carries out loan approval according to the loan management system of loan examination and loan separation and hierarchical approval; v. Contract signing, the credit union and the borrower sign the loan contract; vi. Loan disbursement, the credit union disburses the loan according to the provisions of the loan contract and on schedule; vii. Post-credit inspection, the credit union carries out tracking investigation and inspection on the implementation of the loan contract by the borrower as well as the borrower's operation situation; viii. Loan return, the loan expires and the borrower returns it in full and on time. The borrower returns the loan principal and interest in full and on time.

Housing Loan Approval Process

The process of applying for a housing loan is as follows:

1. Borrowers fill in the application form for residential housing mortgages and submit to the bank the following documents: proof of the borrower's fixed economic income issued by the borrower's unit; proof of creditworthiness such as the borrower's license to operate and the certificate of the legal person; proof of the borrower's validity of legal documents; proof of the borrower's legal status. Proof documents; borrower's legally valid identification; housing ownership documents or proof of his/her right to dispose of the housing in accordance with the provisions of the law; appraisal report, appraisal and insurance documents of the mortgaged property; contract, agreement or other supporting documents for the purchase and construction of the housing; and other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, the contract for the purchase of housing, the agreement and related materials.

3, the borrower will be mortgaged property title certificate and insurance policies or securities to the bank in possession.

4, the borrower and lender guarantor signed a housing mortgage contract and notarized.

5. After the loan contract is signed and notarized, the bank transfers the borrower's deposits and loans to the housing unit specified in the purchase contract or agreement.

6, loan settlement, loan settlement includes normal settlement and early settlement of two kinds.

①normal settlement: in the loan maturity date (one-time repayment of principal and interest category) or the last installment of the loan (installment repayment category) settlement of the loan;

② early settlement: in the loan maturity date, the borrower, such as partially or fully settled in advance of the loan, according to the contract of the loan agreement, in advance of the application to the bank, approved by the bank to the designated accounting counter for repayment.

Loan process

Bank loan program:

1, the application for loans. The borrower submits the loan application to the local bank.

2. Credit rating assessment. The bank assesses the credit rating of the borrower.

3. Loan investigation. The bank investigates the borrower's legality, safety and profitability.

4, loan approval. Banks according to the audit and loan separation, hierarchical approval of the loan management system for loan approval.

5, sign the contract. The bank and the borrower to sign the borrowing and disturbing the bridge contract.

6, loan issuance. Banks according to the provisions of the loan contract to issue loans on schedule.

7, post-loan inspection. Banks on the borrower to implement the loan contract and the borrower's business situation for tracking investigation and inspection.

8. Post-loan reflection.

9. Loan return. Loan maturity, the borrower to return the loan principal and interest in full and on time, if you want to extend the loan should be before the loan maturity date, to the bank to apply for a loan extension, whether or not the extension of the bank to decide.

Application for bank loan business conditions:

1, the age of 18 to 65 years of age of natural persons;

2, the actual age of the borrower plus the term of the loan application should not be more than 70 years of age;

3, with a stable occupation, a stable income, the ability to repay the principal and interest of the loan by the due date;

4, a good credit score, no bad records. The purpose of the loan is legal;

5. Meet other conditions stipulated by the bank.

Meeting the above conditions will enable you to apply for a loan at your local bank.

Two repayment methods

(1) Equal principal and interest repayment: the principal and interest of the loan and the use of equal monthly repayment of a way. Housing fund loans and most banks commercial personal housing loans are used in this way Liang Li Shi style. This way of repayment of the same amount per month;

(2) equal principal repayment: that is, the borrower will be spread evenly throughout the repayment period each period (month) to return, while paying off the last trading day to the repayment of the loan interest between the date of a repayment method. This way the monthly repayment amount of respect limb by month;

(3) monthly interest due to repayment of capital: that is, the borrower in the loan due date of one-time repayment of the loan principal [period of less than one year (including one year) loan applicable], the loan interest on a daily basis, interest returned monthly;

(4) early repayment of part of the loan: that is, the borrower to the bank to apply, can be repaid part of the loan amount in advance! The general amount of 10,000 or 10,000 integer multiples, after repayment at this time the loan bank will issue a new repayment plan, in which the repayment amount and repayment period is changed, but the repayment method is unchanged, and the new repayment period shall not exceed the original loan period

(5) early repayment of the entire loan: that is, the borrower to the bank to apply, can be repaid in advance of all the amount of loan repayment, after repayment at this time The lending bank will terminate the borrower's loan and handle the corresponding discharge procedures.

(6) repay as you go: interest is calculated on a daily basis after borrowing, with one day counting one day interest. At any time you can settle the payment at once without default.