The ways for individuals to seek loans from guarantee companies are as follows:
1. The applicant prepares materials to apply for a loan from the guarantee company.
2. After accepting the application, the guarantee company will conduct a comprehensive and all-round investigation on the applicant, and the handling personnel will issue loan guarantee opinions or investigation reports.
3. After the approval of the guarantee company, the guarantee company shall notify the applicant to go through the guarantee procedures.
4. The loan bank, the guarantee company and the borrower sign relevant contracts.
5. After the contract is signed, the guarantee company and the applicant shall go through the formalities of mortgage and pledge with the relevant departments and obtain the certificate of other rights.
6. After all the formalities are completed, the guarantee company formally notifies the loan bank to issue the loan.
Second, how did the guarantee company apply for a loan from the bank?
First, the lender submits the loan information to the bank, determines the loan term and amount, and the bank conducts internal audit.
Only after it passes can the bank send it to the guarantee company for risk assessment, issue a letter of guarantee opinion and send it back to the bank.
After the bank receives it, it signs a loan contract with the customer, and sends it back to the guarantee after being signed by the audit leader.
After the approval of the guarantee company and the signature of all levels of departments.
Inform the customer, sign the guarantee contract, register in advance, register the ownership, pay the relevant fees, and finally sign the mortgage agreement to confirm the notarization of the mortgagee.
Guarantee mortgage, register, issue bills to banks, and lend money to banks.
3. How can I get a loan from a guarantee company?
The ways for individuals to seek loans from guarantee companies are as follows:
1. The applicant prepares materials to apply for a loan from the guarantee company.
2. After accepting the application, the guarantee company will conduct a comprehensive and all-round investigation on the applicant, and the handling personnel will issue loan guarantee opinions or investigation reports.
3. After the approval of the guarantee company, the guarantee company shall notify the applicant to handle the guarantor.
4. The loan bank, the guarantee company and the borrower sign relevant contracts.
5. After the contract is signed, the guarantee company and the applicant shall go through the mortgage and pledge formalities with the relevant departments.
6. After all the formalities are completed, the guarantee company formally notifies the loan bank to issue the loan.
4. What is the process of applying for a loan through a guarantee company?
1. Generally speaking, the business process of a guarantee company is a process: enterprise or individual application-acceptance by the guarantee company-preliminary examination stage-institutional review stage-meeting review stage-leadership approval stage-contract issuance guarantee-bank loan-project data archiving. Of course, the guarantee companies in each region are different, and the process of each guarantee business type is also different, and the process of different industries with different application quotas is also different. 2. With the participation of guarantee companies, it will be easier for banks. Mainly to examine whether your loan purpose meets the requirements of lending (for example, some banks do not accept loans to build houses); Check whether your loan object has a bad credit record, etc ... These can be handed over to the guarantee company for you to operate, and the bank can rest assured, because the risks are passed on to the guarantee company, and you can find the guarantee company if you have any questions. Therefore, the guarantee company basically agrees with you. ...
hope this helps ...