How to apply for a bank loan?

The bank loan interest rate is 5.60% within one year (including one year); The interest rate for one year to five years (including five years) is 6.00%; More than five years is 6. 15%. The personal housing provident fund loan interest rate is 3.75% for less than five years (including five years) and 4.25% for more than five years. If the central bank does not adjust, the bank loan interest rate of 20 15 should be based on this. Bank loan processing flow (I) Checking customer and real estate information: When consulting the real estate mortgage loan business, the business personnel should clearly inform the customer of the mortgage loan term: the maximum loan term is six months, and the loan can be extended when it expires. Complete customer information including customer identification (ID card, household registration book); Marriage certificate (marriage certificate, divorce certificate); Spouse ID card; Property ownership certificate (real estate license, court judgment) and check with the Archives Center of Land and Resources Bureau for confirmation; Customer's work unit; Detailed address; Contact address; Contact information; Family members; Income status, etc. (2) Housing inspection and evaluation: mainly determine whether there are structural problems in the property, such as water leakage, seepage, skew, irregularity, etc.; Environmental issues, such as convenience of life and environmental quality; Usage, such as whether anyone lives, who lives, water, electricity and gas, etc. ; Evaluate the market value of the current building according to the transaction price in the tertiary market. The above investigation is to avoid risks that are difficult to achieve when absolutely necessary. Understand the financial situation, cash flow and capital turnover of the customer's industry, understand the customer's loan purpose, repayment ability, repayment plan and evaluate its feasibility. , and report to the superior leadership according to the above information. (3) Sign mortgage loan contract/real estate pawn contract and power of attorney. The formulation of real estate-related contracts refers to various materials and years of practical experience, which has a relatively complete guarantee for the company's borrowing behavior, and the business personnel must strictly follow the validity period and related terms stipulated in each contract. The mortgagor, borrower and client of mortgage loan contract/real estate pawn contract are all the same customers. The mortgage loan contract/real estate pawn contract is valid for 6 months, and the comprehensive fee is charged monthly. The power of attorney is valid for two years after the validity of mortgage loan contract/real estate pawn contract.