1, prepare data. Individuals should first prepare the materials needed to borrow from the bank, which generally include loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If it is a customer with unsecured loans, it is necessary to provide a good credit record;
2. apply. After preparing relevant materials, customers can apply for loans in banks or law firms entrusted by banks and submit relevant materials to banks. After paying various fees, customers need to sign loan contracts with banks as legal documents binding both parties.
3. Payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit is unqualified, the bank will return the relevant information of the customer and the fees charged;
4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. Then there is a bank loan.
Legal basis:
Interim Measures for the Administration of Personal Loans
Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.
Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.
How to borrow it? What procedures need to be prepared?
The popularity of online loans, but there are many service platforms, and the impression of loan service platforms is a bit unreliable, which has prompted the development trend of online loans to have this problem. In order to deal with this problem, in recent years, several service platforms have been continuously improved, and lenders still cannot grasp which service platforms are reliable. So _ how to get a loan? So _ what procedures must be prepared in advance? In order to help you better understand, let's take a look at it, let's have a detailed understanding.
First, how to borrow it
1. The borrower must apply to the opened bank branch. When applying, the borrower should bring his identity certificate, address certificate, stable income source certificate and other relevant materials, and if he is a merchant, he must also bring his business license.
2. After receiving the lender's application, the bank will examine and approve the lender;
3, according to the bank's examination and approval opinions, according to the audit opinion, signed a loan contract with the bank.
When the bank makes the next payment, the lender successfully obtains the loan.
Second, what procedures must be prepared in advance?
The application must include the following materials:
1. My ID card. Reasonable second-generation ID card, local temporary residence permit, household registration book, marriage certificate, etc.
2. Proof of stable address. Real estate lease contract, hydropower project payment form, property management service and other related certificates.
3. Income comes from recognition. List of bank accounts in the past six months, employment contracts of enterprises, etc.
4. Personal credit information. You can immediately query and download the personal credit report in the credit inquiry and submit it to the bank staff free of charge.
Generally speaking, according to the above, we can understand that the applicant must submit the application and related materials to the bank, and then wait for the bank's approval. Sign the contract after approval, and finally wait for the next payment. All the steps are relatively simple and clear, and it is clear that everyone can follow the rules. Generally speaking, the application must be prepared with identity documents, personal income certificates, credit certificates and other materials. If you have other related questions, you can get to know everyone.
How to deal with Zibo rural credit cooperatives online?
Hello, there are many platforms available now, and the amount is basically between 5 million and 300,000. You can apply through banks and online loans. Compared with conventional loans, although the amount is low, it is very popular because of its fast lending and flexible borrowing. As long as you choose a formal platform, you can use it with confidence when the funds and information security are guaranteed.
I suggest you try to use rich flowers. Rich Flower is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Rich Flower, renamed as "Rich Flower" in June, 2065438+08). The big brand is trustworthy and the interest rate is low. Rich people launch consumer credit products for individuals. The maximum loan amount is 200,000 yuan (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.
How do banks apply?
When encountering financial difficulties, many people will think of handling a bank, but they don't know how to borrow it. Here's how to do it.
Bank application materials:
1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;
3. Provide stable proof of income source, bank flow sheet and labor contract.
Bank processing flow:
1. The borrower shall apply to the branch opened by the bank. When applying, the borrower should bring his ID card and other relevant information, and if he is a merchant, he should also bring his business license.
2. After receiving the lender's application, the bank will investigate the lender. The bank mainly examines the personal credit status and personal income status of the lender to decide whether to lend money.
3. After investigation and approval by the bank, sign a loan contract with the bank.
4. The bank lent money, and the lender successfully got the loan.
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How to get a loan from a bank
1. The borrower shall submit the following materials to the bank: (1) loan application approval form; (2) my valid identity certificate and a copy; (3) proof of residential address; (4) proof of occupation and income; (5) Effective contact information and telephone number; (6) Other information required by the bank. 2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract. 3. The bank issues loans to borrowers through transfer.