How to handle the loan business and how to handle the loan business process.

The process of handling loans:

1. Select a loan bank. Applicants should first choose the bank they trust according to their own situation and have a simple understanding of the bank's loan products.

2. Loan consultation. The applicant inquires the details of the loan from the local bank to obtain the information needed for the loan. In general, the materials to be prepared for bank loans include the following:

(1) valid id;

(2) Proof of permanent residence or valid residence and proof of fixed residence;

(3) proof of marital status;

(4) Shore current;

(5) proof of income or personal assets;

(6) Credit report;

(seven) the loan use plan or statement;

(eight) other information required by the bank.

Step 3 apply. After the applicant prepares the relevant materials according to the requirements of the bank, he submits the materials to the bank and applies for a loan, then pays the relevant fees and signs a loan contract with the bank.

4. Loan survey. After receiving the applicant's loan information, the bank will investigate the applicant's information, mainly to verify the accuracy of the applicant's information.

5. Loan approval. After the applicant's information is implemented, it is determined that the applicant meets the loan conditions and the applicant's personal credit information is good, and the bank will approve it.

6. Loan issuance. After the applicant's information is approved, the bank will issue loans to the account designated by the applicant. Then the applicant can repay the loan on time according to the loan contract.

How to get a loan from the bank?

Users can apply for a bank card loan from the issuing bank first, and users can go to the counter or handle business online. Then provide the information needed by the bank and do it according to the regulations.

When applying for a loan, you need to provide income proof, identity proof and other documents. The general income certificate can be the salary flow or the bank flow, but it can't just be provided to the bank.

First of all, you can apply through personal online banking: log in to personal online banking, find online loans on your personal page, and click "Loan" to find relevant projects to apply. If it doesn't mean that the bank doesn't have relevant services.

You can also apply through pocket bank: after logging in to the issuing bank's pocket bank, users can select relevant online loans to apply under all service options on the home page interface; Finally, bring your documents to the outlets.

How do individuals apply for loans from banks?

Can handle taxpayer loans, white-collar loans, public loans and other loans.

Taxpayers can apply through the QR code on the local tax service website, or through the bank's mobile banking, direct banking, online banking and other channels, and can borrow money anytime and anywhere.

1. What are the conditions for a bank loan?

1. The applicant must be a natural person with full civil capacity.

2. Having urban permanent residence or valid residence status requires the borrower to have legal status.

3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records.

5. Some also require providing assets recognized by the bank as collateral or pledge, or taking units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the loan principal and interest and bear joint and several liabilities.

Two. Requirements of the Borrower:

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed);

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

3. The borrower's actual age and loan application period shall not exceed 70 years old.

Three. Information to be provided by the borrower:

1, husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

2. Two copies of marriage certificate/divorce certificate or judgment/single certificate;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

7. If mortgage loan is needed, proof of the rights of the mortgaged property must be provided, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the appraised value of the mortgaged property.

Extended data:

Loan skills

1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what the lender wants, and it is absolutely not expected that his loan funds will not see the movement of lending within half a month.

If the loan amount applied by the lender is large, it is suggested to reduce the loan amount appropriately, so that the hope of passing the bank audit is great.