After selecting the products, you can go online. Online loans are mostly credit loans, which can be handled directly online without providing mortgage guarantee. The borrower can download the APP or mobile banking of the product to be loaned, fill in the simple personal information after logging in, upload the ID card and bind the bank card to complete the real-name authentication, wait for the system to approve the credit, and then the loan can be issued.
Application stage
The borrower must fill in the loan purpose, loan amount, collateral and income in detail, accurately and truly;
loan audit
The loan investigator will conduct a preliminary review of the borrower's needs and qualifications. If the information at the time of pre-trial is true, it will be preliminarily judged that there are potential matching lending institutions, and there will also be telephone investigation links;
audit finding
The network administrator will send an on-site message to the borrower to inform him of the pre-trial results.
A. If the borrower has good qualifications and a matching lending institution, the online loan will be directly recommended to the cooperative institution;
B. If the borrower is not qualified enough, or can't match a suitable institution for the time being, the online loan system will screen the borrower's loan demand and post it online to find more loan opportunities for him;
sign a contract
After re-examination, the bank that needs to contribute capital will take the initiative to contact the borrower to understand the relevant situation and communicate the details such as the specific loan interest rate, term, amount and repayment method. The two parties will sign the relevant contract after consultation.
As can be seen from the above, the audit procedures and processes are in compliance with legal procedures, and there is no additional charge, so its credibility can be affirmed. In addition, national laws also have protective measures to prevent its damage, so it can ensure its safety.
You need to know when applying for a loan
1. To apply for a loan online, you must have a detailed understanding of the loan website. Don't pay any symbolic fees before you get the money, so as not to be taken in by the swindlers.
2. To apply for unsecured loans online, under normal circumstances, the lending bank or lending institution requires the borrower to have a complete identity certificate; Bank salary for more than half a year; And good personal credit, otherwise any lending institution has no reason to believe you.
3. There is no such thing as a free lunch. In the face of small online advertisements and fake loan websites, we must resist the temptation and be cautious.