1. First look up at the XXXXXX branch/unit, then introduce yourself, explain the reason and purpose of the loan, write down the loan term, whether to repay the principal and interest or the same amount, make a guarantee to ensure timely repayment, and finally sign and press the fingerprint.
Write a tribute at the beginning of the application, that is, indicate which bank to apply for a loan from.
3. In the text of the application, state your current work unit, professional title, income, loan purpose, loan amount and repayment period. In order to ensure the smooth progress of the loan, if you use your own real estate as collateral, you should also specify what kind of real estate or movable property you use as collateral.
Generally speaking, before approving the loan application, the bank or unit will inquire about the personal information of the applicant, understand his credit standing and confirm whether he has the repayment ability. Therefore, in the loan application form, you should clearly agree that the unit or bank can inquire your information through the personal credit information system of the People's Bank of China.
5. When specifying the purpose of the loan, it should be specific. For example, I declare that this property is the nth house purchased by family loans (excluding provident fund loans).
Generally speaking, before applying for a loan, the bank will let you open an account in this branch (sub-branch) in order to facilitate the lender's repayment. Therefore, in the loan application form, it should be stated that you have opened an account according to the requirements of your bank, and indicate the specific account number.
7. Write something similar to a letter of guarantee. That is, it is guaranteed to deposit the loan principal and interest in full before each repayment period and loan maturity date, and the lender is authorized to deduct the loan principal and interest (including overdue interest and penalty interest) from the account on the monthly repayment date and loan maturity date.
8. Changing accounts often happens in life. Therefore, it should be noted in the application that if the repayment account changes, I will provide the new account information in time.
9. Clearly express that I am willing to bear the liability for breach of contract: if the account funds are insufficient and I default on the loan, I accept all legal collection measures of your unit (bank) and voluntarily bear all consequences;
10. Finally, you need to sign in the applicant's office, press your handprint, and write down your valid ID card and application date.
Two, how to fill in the National Development Bank student loan application form
Spread out completely
There are instructions inside:
1. The data item marked ""is required.
2. This form is an application form for eligible college students with financial difficulties to apply for student loans from the National Development Bank where they live before entering school. Applicants must truthfully fill in all kinds of information in the form.
3. The domicile of the borrowing student should be consistent with the location of the funding center; The borrower must be a student officially admitted to an ordinary university or higher vocational school recognized by the national education department; Borrowing students' families are indeed families with financial difficulties. Borrowing students should be honest and trustworthy, law-abiding, and have no illegal records.
4.*** The same borrower mainly refers to parents, other close relatives or other natural persons with full civil capacity who voluntarily share the repayment responsibility with the borrower. If the borrower is an orphan, you should choose * * * as the borrower from the latter two categories. If he can't provide * * * as a borrower, he can also apply for a loan with the consent of the Provincial Department of Education after asking for instructions from the county funding center.
5. The relationship with the borrower should be father/mother/near relative/other.
6. School category According to the nature of the admitted institution, choose one from category 1 and category 2 respectively.
7. The loan amount applied for is an integer between 1000 and 6000, including 1000 and 6000.
8. Borrowing students should choose the time limit for applying for loans according to their school years. Upper limit of loan application period = academic system-grade 1 10, and the longest period shall not exceed 14 years. For example, a sophomore with a four-year academic system applies for a student loan in the third academic year. According to the above rules, the upper limit of the applied loan term is 12 years.
9. The registration date stipulated by colleges and universities refers to the registration date stipulated by borrowing students attending colleges and universities.
10. The review opinions of villagers' committees (neighborhood committees) or township (street) civil affairs departments shall be signed and sealed by the agent.
1 1. This form is made in duplicate, one for the aid center and one for the development bank, which shall be uniformly distributed and managed by the aid center.
3. How to fill in the bank loan application form?
& gt loan application form
It is required to fill in two copies, affix the official seal of the company, provide the name and seal of the legal person, the power of attorney entrusted by the legal person to handle the loan procedures, and the general situation of the enterprise legal person.
& gt loan application form
Fill in and prepare materials according to the details of required written documents:
1, the enterprise loan certificate that has passed the annual examination handled 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; Certification documents and certificates registered by the registration authority.
& gt corporate bank loan process
(1) When an enterprise applies for establishing a credit relationship, it shall submit an application for establishing a credit relationship in duplicate. After receiving the application submitted by the enterprise, the bank shall appoint a loan officer to investigate. The survey contents mainly include:
(1) Legitimacy of enterprise management. Whether the enterprise has the necessary relevant conditions for legal person qualification. For enterprises with legal personality, it should be checked whether the business scope approved by the business license is consistent with the actual business scope.
(2) the independence of enterprise management. Whether the enterprise implements independent economic accounting, accounts for profits and losses separately, and has independent financial plans and accounting statements.
③ Whether the enterprise and its main products belong to the development sequence of national industrial policy.
(4) the efficiency of enterprise management. Whether the final accounts of the enterprise are accurate and in compliance with relevant regulations; The present situation and trend of financial performance.
⑤ Rationality of the use of enterprise funds. Whether the working capital and fixed capital of the enterprise are managed separately; Whether the occupation level and structure of working capital are reasonable, whether it is squeezed or misappropriated.
6. New and expanded enterprises. Whether the 30% working capital needed to expand production capacity has been raised. If there is a temporary shortage, have you made a plan to make up for it in the short term? After investigating and understanding the above situation, the loan officer shall write a written report and sign an opinion on whether to establish a credit relationship, and submit it to the director of the department (unit) and the president (director) for approval step by step. After the president (director) agrees to establish a credit relationship with the enterprise, both banks and enterprises shall sign a contract to establish a credit relationship.
(2) Apply for a loan
An enterprise that has established a credit relationship may apply for a working capital loan from the bank according to the reasonable working capital demand in the process of production and operation. Take an industrial production enterprise as an example. When applying for a loan, an application for a working capital loan from an industrial production enterprise must be submitted. According to the national industrial policy, credit policy and relevant systems, combined with the credit scale plan approved by the superior bank and the source of credit funds, the bank carefully examines the enterprise loan application.
(3) loan review The main contents of the loan review are:
(1) Use the loan directly. Direct uses that meet the scope of support for working capital loans of industrial enterprises are:
Reasonable purchase and payment;
Submit notes payable;
Advance payment approved by the bank;
Special loans are used according to the prescribed purposes;
Other purposes that meet the requirements.
(2) The recent operation of the enterprise. It mainly includes the procurement, consumption and storage of materials, the supply, production and sales of products, and the occupation level and structure of working capital; Credit status; Economic benefits, etc.
(3) the implementation of the enterprise's potential tapping plan, liquidity acceleration plan and liquidity supplementary plan.
④ The development prospect of the enterprise. It mainly refers to the development prospect of the industry to which the enterprise belongs, the development direction of the enterprise, the product structure, life cycle and new product development ability, the practical work ability of the main leaders, the management decision-making level and the pioneering and innovative ability.
⑤ Debt capacity of enterprises. Mainly refers to the actual amount of the enterprise's own liquidity and current assets and liabilities. Generally, it can be analyzed by two indicators: the proportion of self-owned liquidity to total liquidity and the debt ratio of current assets of enterprises.
(4) signing a loan contract
A loan contract is an agreement that the lender will deliver a certain amount of money to the borrower for use according to the agreed purpose, and the borrower will repay the principal and interest at maturity. This is an economic contract. The loan contract has its own characteristics. The object of the contract is currency, and the lender is generally a national bank or other financial institution. The loan interest is stipulated by the state, and the parties cannot agree at will. The parties reached an agreement on the main terms of the loan contract after consultation according to law. An application is made by the borrower, and a loan contract can be signed after the lender has approved it. The loan contract shall have the following clauses:
① loan type;
(2) the purpose of the loan;
③ loan amount;
(4) loan interest rate;
(5) Term of the loan;
⑥ Sources of repayment funds and repayment methods;
⑦ Guarantee clause;
8. Liability for breach of contract;
Pet-name ruby other terms agreed by both parties. The loan contract must be signed and sealed by the representatives of both parties or the agents authorized by the legal representatives.
(5) granting loans
After an enterprise applies for a loan, both banks and enterprises should sign relevant loan contracts according to the types of loans. When signing the contract, you should pay attention to the accuracy of the project, the clarity and neatness of the text, and you must not alter it; The official seals of the borrower, lender and guarantor and the signature of the legal representative are complete and correct. The borrower opened an iou. A loan receipt is a written loan certificate, which can be signed at the same time as the loan contract, or it can be signed at one time or in installments within the amount and effective time stipulated in the contract. Bank managers should carefully examine and check whether the contents of the loan application are correct and consistent with the loan contract. After the loan application is verified correctly, fill in the Notice of Loan Issuance, and the letter clerk, department (unit) head "two signatures" or the president (director) "three signatures" will send it to the bank accounting department to handle the loan transfer to the borrower's account. After the loan application form and the loan issuance notice are recorded by the accounting department, the last copy is returned to the credit department as a voucher for registering the loan account.
Under normal circumstances, from the date of acceptance, the bank will review the loan time for the bank credit department according to the legal response period (20 working days for short-term loans and/0/30 working days for medium-and long-term loans).
Four, how to fill out the bank loan application form?
General loan application must fill in the following contents: name, ID address, ID number, occupation, income, liabilities, loan demand, use of funds and repayment method.
In addition, when applying for a loan, the applicant needs to prepare the following materials:
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide proof of stable income source: bank flow sheet, labor contract, etc.
3. Provide stable proof of address: house lease contract, utilities, property management and other related certificates;
4. Other information stipulated by the bank.