Nowadays, consumption in advance is becoming more and more common, so more and more borrowers apply for mortgage consumption loans. Friends who have loan needs are now concerned about how to write personal loan applications. Here are some examples of personal loan application writing and matters needing attention.
Personal loan application version 1
Postal Bank of China Yanhe Branch:
I am a resident of Guanzhou Town along the Yangtze River and have been engaged in commercial activities for several years. Mainly engaged in cake shops, advertising, building materials, cement wholesale and retail, Heishui Mountain Wangdian quarry factory (joint venture) and other projects. The monthly income of this family is about 20000 yuan. In urgent need, we are now applying to your bank for a personal loan of RMB1200,000 yuan (one million two hundred thousand) with a term of five years. We also agree to mortgage a commercial house (private property) in the municipal center near National Highway 326 in Guanzhou Town, and agree that your bank can inquire personal information from other financial industries to understand personal credit status.
I follow the principle of honesty and credit, open a deposit repayment account in your bank, and guarantee to repay the principal and interest on time. At the same time, I accept all legal collection measures of your bank and voluntarily bear all consequences.
Loan applicant:
Loan guarantor:
Applicant:
2065438+August 26th, 2006
Personal loan application 2 nd edition
Credit cooperative:
Applicant XXX, male, 30 years old, ID number XXXXXXXXXXX, living in Wang Jia Group of Shijiazhai Village, XXX Town, with a population of 2, is engaged in the construction of the convenience service center in Mishima Water Town. Due to difficulties, he applied for a loan of RMB 6,543,800+0.5 million from the rural credit cooperative union, with a term of 3 years, and took the property located in Shijiazhai Village, XXX Town as the mortgage. The property number is: Sifang Quanzhengtang Touzi No.09677, covering an area of 380 square meters, and the land number is: Si Tu Ji Yong (2002) No.20. 020 158, with an area of square meters, and the repayment source is the project income, and makes the following solemn commitments:
1. Guarantee the authenticity of the loan purpose and do not use it for other purposes.
Two, the implementation of the relevant provisions of the loan contract certification.
Three, by both husband and wife and property * * * someone * * to repay.
Four. I am willing to take all the real estate in my family as joint and several liability guarantee.
5. Ensure quarterly interest settlement; Otherwise, compound interest will be calculated voluntarily, and the principal will be repaid at maturity.
Six, when the estate is divided, the heirs of the estate also bear the debts of the decedent in the credit union. The property can no longer be mortgaged with other individuals, units or economic organizations. If there is a mortgage, it is an invalid mortgage.
Seven, if you can not fulfill the above commitments, voluntarily assume all economic and legal responsibilities.
Eight. Repayment plan: 2065438+one-time payment by the end of 2004.
Applicant:
2065438+August 26th, 2006
Personal loan application third edition
Xx Bank, xx Branch:
My name is (), my gender is (), my age is (), I am married, my ID number is (), my occupation is (), and my monthly income is (). I am honest and trustworthy and have full capacity for civil conduct. Now () needs funds () yuan, while its own funds are only () yuan, which is still () yuan short of achieving the goal (). Now, through negotiation between the main family members and the guarantor () (gender (), () years old, who lives in ()), we hereby apply to your bank for a guaranteed loan of RMB () for (). I have opened a savings account in your bank with account number (). This loan is guaranteed by () and has normal economic income and repayment ability. The loan term is () years, and I promise to pay interest quarterly (monthly) and pay off the principal within the term. If I can't pay off what I owe, I will accept all legal collection measures and other reasonable matters related to repayment by your company (bank) until I pay off, and neither I nor the guarantor's family have any objection. The above application is expected to be approved.
Applicant (signature and fingerprint):
family member
Guarantor:
Date, year and month
Contact telephone number:
Personal loan application form 4 th edition
I am _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ In line with the principle of honesty and trustworthiness, I declare that this property is the _ _ _ _ housing purchased by this family loan (excluding provident fund loan).
I have opened a repayment account (A/CNo. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ If I change my repayment account, I will provide new account information in time; If the account funds are insufficient and the loan is in arrears, I accept all legal collection measures of your unit (bank) and voluntarily bear all consequences.
Applicant (signature and fingerprint):
Valid ID number:
_ _ _ _ _ _ _ _ _
Attachment: Matters needing attention in applying for personal loan
1, the application amount should be based on your ability, and the monthly repayment amount should be at least 1: 2, which can ensure that your daily life will not be affected.
2. According to your repayment ability and future expected income, choose the repayment method that suits you and make a repayment plan.
3. Provide true and accurate information to banks and other lending institutions, and notify them in time when the information such as address and contact information changes.
4. Read the terms of the loan contract carefully to understand your rights and obligations.
5. Repay on time to avoid bad credit records and economic losses.
6. Keep loan contracts and IOUs. For secured loans, after the loan is paid off, the guarantee registration shall be cancelled in time and the pledge or right certificate shall be retrieved.
7. Try not to apply for high-interest loans unless you need money urgently.
8. If you don't use a lot of money, such as 1 10,000 or 20,000, apply for a credit card as a buffer, or ask a friend to borrow money for turnover.
9. You must choose the right mortgage repayment method. If you have enough funds, you'd better pay in advance.
I hope the above information can provide substantial help to friends who have loan needs. In addition, if you are still worried about the loan amount and difficulty, I suggest you fill it in directly on our website.
Apply, and we will provide you with the most comprehensive and best service.
How to write a payment application
Question 1: How to write the loan application, buddy? You still have to rely on Baidu.
Question 2: How to write a personal loan application form for personal loans?
Xx bank:
I am a resident of Guanzhou Town along the Yangtze River and have been engaged in commercial activities for several years. Mainly engaged in cake shops, advertising, building materials, cement wholesale and retail, Heishui Mountain Wangdian quarry factory (joint venture) and other projects. The monthly income of this family is about 20000 yuan. In urgent need, we are now applying to your bank for a personal loan of RMB1200,000 yuan (one million two hundred thousand) with a term of five years. We also agree to mortgage a commercial house (private property) in the municipal center near National Highway 326 in Guanzhou Town, and agree that your bank can inquire personal information from other financial industries to understand personal credit status.
I follow the principle of honesty and credit, open a deposit repayment account in your bank, and guarantee to repay the principal and interest on time. At the same time, I accept all legal collection measures of your bank and voluntarily bear all consequences.
Loan applicant:
Loan guarantor:
Date, year and month
Model application for personal loan II
loan application
Credit cooperative (branch):
Living at home with the loan applicant, ID number (household registration book) and loan certificate number. Now, due to the need of development and lack of self-owned funds, I hereby apply to your company for a loan of RMB for a period of months. Ensure that the loan is repaid on time and used according to the purpose. Please give a solution according to my credit situation.
Applicant (signature):
Date, year and month
Question 3: How to write the personal bank loan application form? You can go to an online loan company, Dianyin Online, and make a sample. I think it's better to know and compare in detail and find the one that suits you best. I visited a loan website, which seems to be called Dianyin Online. It seems to be working with the bank. Everything is synchronized with the bank, regardless of interest, repayment method and term. It is also an online financial platform recognized by the China Banking Regulatory Commission, with many loan products. They will not charge any extra fees in any name before the bank formally lends money to users (this is the biggest difference from ordinary private lending institutions). Personally, I think it's good. It's quite formal. I suggest you try. It may have the loan information you want.
Question 4:/kloc-how to write the application for ordinary loan of 0/00000? Have some qualifications
Question 5: Sample personal loan application form:
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;
3. Provide proof of stable income source: bank flow sheet, labor contract, etc.
4. Other information stipulated by the bank.
Question 6: How to write a loan application? What must be included in the loan application: name, address, ID number, occupation, loan demand, self-raised amount, use of funds and source of repayment. Your contact information, let me briefly demonstrate it below.
Application form/application
XX bank:
Borrower xxx, address: xx county, xx city, ID number: (123 Fu56789), now engaged in non-staple food business, with complete procedures. As the Spring Festival is approaching, I have purchased xx products by myself. Due to lack of funds, I hereby apply for a loan of 500,000 yuan from your bank for a period of 12 months.
I hereby apply. Thank you for your approval.
Applicant: XXX Tel: 139? 74 1 10
Date of application:
Question 7: How to write an application for enterprise mortgage loan The following points should be noted: 1. Precautions 1. If the goods (including production equipment) imported with tax reduction or exemption exceed the period of customs supervision, the enterprise may sign a mortgage loan contract with the bank on its own. General Administration of Customs 124. 2. For the goods under customs supervision (including production equipment) within the period of customs supervision, if an enterprise applies for mortgage payment from a bank, it must apply to the customs with relevant supporting documents in advance, and the goods can be mortgaged only after approval by the customs. 3. Only when the enterprise has a good credit standing, can it abide by the customs regulations, and there is no smuggling violation, can the customs be allowed to handle the mortgage formalities. 4. The sum of the bank mortgage loan amount and the tax payable of the specific duty-free imported goods shall be less than the actual value of the specific duty-free imported goods. 5. Enterprises shall not apply for the establishment of loan mortgage for goods (such as automobiles) subject to quota license management in bonded imported goods, temporarily imported goods and specific goods with tax reduction or exemption. 2. Submit a written application for mortgage loan (summary) ● General situation of the enterprise: including the name, nature, registered capital and legal address of the enterprise; ● Business overview: products, annual output value, annual profit, import and export volume; ● The reason, amount, purpose and function of the loan, and the borrowing bank; ● Mortgaged equipment: equipment name, import value, and use status; ● Guarantee: During the period of customs supervision, the above equipment shall not be transferred or mortgaged without customs approval; If it is necessary to change the price to offset the loan, it is guaranteed to get the customs approval in advance and pay the customs duty first, and then pay off the rest. ● The enterprise shall sign and affix the official seal, and the legal person shall sign. Three. Provide the attached relevant documents 1, mortgage loan notice in triplicate, and mortgage loan equipment list; 2. A copy of the import declaration form of the mortgaged equipment; 3. A copy of the import invoice of the mortgaged equipment; 4. Copy of the registration certificate of the self-care customs declaration unit; 5. Copy of business license (photocopy); 6. Enterprise Asset Registration Manual. Domestic-funded enterprises need to provide a copy of tax exemption certificate.
Question 8: How to write a personal loan application to the company? loan application
I am from XX village, XX township, XX county, XX city, and live in. XX village, XX county, XX city. I am XX years old now. Engaged in XXXX industry. At present, due to the needs of production and operation, the working capital is XX million yuan, and there is still a gap of XX million yuan since self-financing. I hereby apply to XX for a loan of XX million yuan with the property right of XXX under the name of XXX as collateral, and hope to handle it.
I am here to convey
welcome
Applicant: XX
XXXX year x month x day
This is an application for a bank loan. I wonder if the labor security office and the bank are of the same nature. If it is a poverty alleviation organization, it is not necessary to say that it is used for working capital as I wrote above. If a bank is an enterprise or institution, it must be said to be working capital, because the state now controls the financial sector to issue fixed assets investment loans. As for collateral, it's the same. If the bank will definitely ask you for a mortgage, it will not be used for poverty alleviation. You should contact the other party first, after all, the initiative is in the hands of others, and borrowing money is not just a paper application.
Question 9: How to write the loan application form of China Construction Bank to teach you to save money and trouble in loan decoration? 1. The borrower applies for a loan. The applicant shall go to the branch and business department of the bank branch (hereinafter referred to as the loan bank) to receive and fill in the Application Form for Personal Housing Decoration Loan of China Construction Bank, and provide the following materials to the law firm or notary office recognized by the loan bank: (1) Original and photocopy of valid identity certificate; (2) A borrower's income certificate issued by a department recognized by the loan bank; (3) List of title certificates, ownership certificates of mortgaged or pledged property, and proof that the person who has the right to dispose of the property (including the property owner) agrees to dispose of it. If the guarantee is provided by a third party, a written document and relevant credit certification materials that the guarantor agrees to provide the guarantee shall be issued; (four) there is a "Beijing family room decoration project construction contract" signed with the decoration enterprise, and the decoration enterprise must sign a "cooperation agreement" with the China Construction Bank branch; (five) the house ownership certificate or lease contract of the renovated house registered by the Municipal Housing and Land Administration; (6) Other conditions stipulated by the lending bank. Investigation (decoration laws and regulations) The law firm or notary office investigates the credit status, repayment ability and authenticity and legality of the materials of the loan applicant and guarantor, and issues a legal opinion or notifies the loan applicant who does not meet the loan conditions within 5 working days after receiving the above materials and returns all their materials. Three. Bank Approval After receiving the legal opinion issued by the law firm or notary office, the lending bank will review it. Four. Open an account for the borrower and go through the insurance formalities. After the loan bank agrees to issue the loan, it shall notify the borrower to open a current savings account (passbook, savings card and credit card) in the bank as the designated account for repayment. For loan applicants who apply for loans by mortgage, banks should guide them to fill out insurance policies correctly and pay premiums. V. Signing a Loan Contract The borrower shall sign a loan contract at the loan bank with the original current savings passbook or savings card or credit card and insurance documents. The intransitive verb loan contract takes effect and the funds are transferred to the borrower's account. Seven. The starting point of personal durable consumer goods loan is 3000 yuan (inclusive). If the collateral is secured by mortgage, the value of the collateral shall be assessed in accordance with the relevant provisions of the Construction Bank, and the loan amount shall not exceed 70% of the assessed value of the collateral; In case of pledge, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate; If credit or third-party guarantee is adopted (the guarantor is a natural person or legal person), the loan amount shall be determined according to the credit rating of the borrower or guarantor, and the maximum amount shall not exceed 600,000 yuan. Eight, the shortest loan period is half a year, the longest is 5 years (including 5 years). Nine, the loan interest rate according to the provisions of the people's Bank of China loan interest rate for the same period, and can be implemented within the scope of the provisions of the people's Bank of China.
Question 10: How to write the loan application form of rural credit cooperatives? To apply for micro-credit loans, farmers should first apply for loan certificates from local rural credit cooperatives. After receiving the application, the rural credit cooperatives shall evaluate the applicant's credit rating, and according to the evaluated credit rating, verify the credit loan amount of the corresponding level and issue loan vouchers. When farmers need micro-credit loans, they can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When receiving the loan application, the rural credit cooperatives shall review the purpose and amount of the loan and issue the loan after passing the examination.
It should be noted that according to the current regulations, only loans for agricultural production costs such as planting and aquaculture are provided; Agricultural machinery loan; Only by focusing on agricultural pre-production, mid-production and post-production service loans and consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school can farmers use micro-credit loans.
How to write the loan application?
The loan application form is the main basis for the superior to approve the loan. If your application form is well written, it can provide sufficient and reliable decision-making basis for the superior, and also improve the loan decision-making level and approval efficiency of the superior bank. Then, how to write the loan application? Next, let's get to know it with Bian Xiao!
How to write the loan application?
First, write the loan application in the middle, and write it in a larger font. Then, draw another line in the top box and write "bank". Then, mention one more line and start writing the applicant's name, gender, age, ID number and contact number in turn. Then write down the name, age, ID number and contact number of the husband or wife. Let's describe the number of family members, the number of workers, and detailed family assets, including valuable assets, such as housing and the value of these assets. Then describe the income source, main occupation and annual income of family members.
Write another reason for the loan, such as how many tens of thousands of funds are needed to grow gastrodia elata, how many tens of thousands of funds have been raised by yourself so far, what kind of loan you need to apply to your bank, how much you need and how long the term is. What income do I promise to use to repay your loan? I promise to pay off the interest on time and repay the principal when due to ensure the safety of your bank's funds. Otherwise, I am willing to bear all the consequences and legal responsibilities.
Finally, sign the names of both husband and wife in the lower right corner and write down the application date.
Loan process
The borrower prepares relevant materials in advance, submits the title certificate of the collateral and applies to the bank. The bank examines the borrower, and the customers who pass the examination sign the loan contract. After all the materials are processed, the borrower gets a loan. After the loan is obtained, the borrower needs to repay it in full and on time.
Bian Xiao's conclusion: The above content is about how to write a loan application. I hope I can help you. I believe that after the introduction, how will you write a loan application? If you have more knowledge, you can also refer to it in the future.
How to write a loan application (application)
Part I: Personal loan information.
To apply for a loan, we must first let the lending institution know who the applicant is, where he comes from, what occupation he is engaged in, where he works and other specific identity information of the applicant. This module is the window for lending institutions to get to know the applicant for the first time, and can establish a general understanding of the applicant.
Part II: Reasons for applying for a loan.
Every loan has a specific reason. The applicant should clearly write down the reason and purpose of the loan in the application form. Only by letting banks know your needs can they get more opportunities for themselves. Moreover, lending institutions are also very concerned about the lender's loan purposes, and only applications that meet the lending principles of lending institutions can be approved.
Part III: Personal repayment ability
For lending institutions, any loan is for profit, and the repayment ability of the applicant is the key. Applicants should write down their income and family assets, and emphasize that they are honest and trustworthy and have a strong willingness to repay.
Part IV: Supplement of other materials.
Then write some information according to the requirements of the lending institution, which is basically a relatively standardized loan application.
How to write the loan application?
loan application
Bank of China Branch (Sub-branch):
I am an employee of (company), currently working in XXXXXXXX, with an average monthly income of XXXXXXXX yuan. A set of commercial housing (shop) developed for the purchase of (the company), with the property number of XXXXXXXXXX. I hereby apply to you for a mortgage loan of XXXXX million yuan with a term of XX years, and agree to mortgage the purchased property to your company (bank) as repayment of the loan contract signed with your company (bank).
I agree that your company (bank) can inquire my information through the personal credit information system of the People's Bank of China to understand my credit status. Based on the principle of honesty and trustworthiness, I declare that this property is the first property purchased by family loans (excluding provident fund loans).
I have opened a repayment account (accountNo. XX) in our bank (branch) as required by your bank, and I promise to deposit the current principal and interest in full before the repayment date of each installment and the loan maturity date, and at the same time authorize the lender to deduct the loan principal and interest (including overdue interest and penalty interest) from this account on the monthly repayment date and the loan maturity date.
If I change the repayment account, I will provide the new account information in time; If the account funds are insufficient and the loan is in arrears, I accept all legal collection measures of your unit (bank) and voluntarily bear all consequences.
Applicant (signature and fingerprint): XXX
Valid ID number: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Applicant: XXX
Time: XXXX, xx, xx, xx, xx.
What is the best way to write a loan application?
In the loan application, you can clearly write down your loan purpose, loan amount, loan time, as well as your credit information and bank flow. You can borrow money if you meet the bank loan conditions.
Applying for a bank loan is like this.
The conditions for bank loans are as follows:
A citizen with full capacity for civil conduct who has a fixed residence, a fixed residence in a local town (or a valid residence certificate) and a fixed business place;
Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on time;
No bad credit record;
The purpose of the loan cannot be used for stock trading, house purchase and other acts;
Other banking conditions stipulated by the lender.
Article 3 of the General Principles of Loans stipulates that the issuance and use of loans shall comply with laws, state administrative regulations and administrative rules issued by banks, and follow the principles of efficiency, safety and liquidity.
Now more and more people begin to have the concept of consumption in advance, so once there is a demand for funds, it will inevitably involve borrowing. Under normal circumstances, applicants applying for bank loans need to meet the following conditions.
Citizens with fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, under the age of 65 (inclusive) and with full capacity for civil conduct;
Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
Have a good credit record and willingness to repay, and no bad credit record;
Being able to provide legal, effective and reliable guarantees recognized by the bank;
There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions;
Other conditions stipulated by the bank.
What are the loan requirements?
Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount.
Personal credit must be good.
The first premise of the loan is that the personal credit information is good, the credit information is not good or spent, and the loan will definitely be rejected when it is reviewed. Therefore, maintaining good personal credit information is an important prerequisite for loans.
How to keep personal credit information good?
0 1
Don't be overdue.
Whether it is credit card repayment after credit card consumption or mortgage repayment, we must be careful not to overdue repayment. Once overdue, not only will there be a penalty interest, but this consumption record will also be kept in the personal credit information system. Then when the loan is made, it is easy to be rejected when it is reviewed.
02
There are too many sleep card.
Many people always think that it won't matter if they don't open or use a credit card. In fact, if the applied credit card is not activated, as long as the credit card is approved, whether it is opened or not will be recorded in the cardholder's personal credit information system, which will also have an impact on your future application for a bank credit card. Some specific cards have an annual fee even if they are not activated. If this point is ignored, it is likely that the credit card will be in arrears and then overdue, resulting in a bad credit record.
03
Arrears of living expenses
The new personal credit information system has been launched, and all kinds of utilities and telephone charges in life are in the personal credit information record.
If you don't pay on time, there will even be things like subway evasion. In real-name registration system and the Internet age, all your records will be recorded in your personal credit information, which will inevitably lead to bad credit information.
Only by maintaining a good personal credit information is the premise of a smooth loan!
Say goodbye to the white tiger
Many people always think that they never lend, and the loan will be smooth with good credit information, but the fact is that users who never lend will also be rejected when lending.
Why? A bank account refers to an individual who has not applied for a loan or credit card from any financial institution and whose personal information has not been entered by the Credit Information Center of the People's Bank of China.
Generally speaking, for white bank households, when you borrow money, banks or financial institutions can't find out your spending power, repayment ability and credit status, and can't make objective and reasonable judgments.
Therefore, it is much more difficult for white families to apply for loans than customers with credit records. Without personal credit records, banks cannot guarantee whether borrowers can repay in full and on time. In order to control their credit risk, they will generally lend cautiously, even if they agree to the loan, the amount will not be too ideal.
Therefore, we should also make appropriate loans and handle credit cards reasonably.
How to make a large loan?
0 1
Don't be overdue.
Under normal circumstances, the running water and salary level of the wage issuing bank largely reflect the income strength of individuals. Those with high wages can easily be listed as quality customers. Credit cards not only have a high application amount, but also are easy to borrow, and the amount will be higher.
Like the bank that pays my personal salary, our company is first included in the bank's quality enterprise service, and then my personal salary and year-end bonus are distributed through the bank, thus being included in the bank's quality customers. My credit card is not only the highest, but also the loan amount is hundreds of thousands, and the approval is fast.
02
Improve bank flow
What is bank running water? In fact, bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card), also known as bank account transaction statement.
Bank flow includes three parts: salary flow, transfer flow and self-storage flow.
Running water in the bank is not equal to running water in wages! Many people have no house, no car and no job when they borrow money, and getting a card is always rejected. The reason is that the bank is running water.
How to improve bank flow?
First, the way to get money
For individuals who lack bank running water, access method can be used to improve the bank running water record. Under normal circumstances, it is invalid for some people to withdraw money on the same day in order to have a bank flow.
correct