The process of online lending:
First, submit the application. Applicants log on to the online lending platform, fill in relevant information on the platform and submit loan applications.
Second, platform audit. The online lending platform reviews the information submitted by the applicant through big data or platform risk control, such as the authenticity and credit status of the information submitted by the applicant (the online lending platform connected to the central bank's credit information system requires the user to sign the personal credit information business authorization when applying, and the platform can query the user's credit status by querying the user's credit information) to judge whether the applicant meets the loan conditions.
Third, the platform returns. Some online lending platforms will also pay a telephone call back to the applicant to further verify the applicant's situation.
Fourth, sign a contract. After the platform is approved, it will sign a loan contract with the applicant online.
Verb (short for verb) gives a loan. The platform will release the money to the designated account.
Six, after the success of the loan, the borrower in accordance with the contract agreed to repay the loan principal and interest on time.
When applying for a loan online, you must have a detailed understanding of the loan website to avoid being cheated.
How to handle online loans?
Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: 6.2.90
Take Jingdong Finance as an example:
The process of online lending is mainly:
1. The borrower logs on to the online loan platform, enters the application page, fills in personal name, ID number, residential address, telephone number, loan amount, loan purpose and other information as prompted, reads and signs the loan agreement, and submits the loan application.
2. The platform reviews the information submitted by customers, and evaluates the credit status of customers through big data and platform control (some loan platforms are connected to the central bank's credit information system, and customers need to sign personal credit information business authorization when applying, and the platform will review the credit status of customers through credit information).
3. After the platform is audited, the audit results will be issued. If it passes, the platform will lend the money to the account designated by the borrower. When the loan arrives, the platform will send an information notice, and the customer can use it when the money arrives. Of course, if the audit fails, the system will also inform the customer.
Different online loan products may have certain differences in specific process steps. For example, some online loans will call the borrower for electronic review during the review process, and will ask the borrower some questions to see if the contents answered by the borrower are consistent with the information filled in by themselves, so as to confirm the authenticity of the information provided by the customer.
Peer-to-peer loan model:
B2c mode:
B of b2c generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online loans to work first and then lend. According to different rules, some applicants need to go offline. At present, the b2c model is restricted by the region, because its business entities are all institutions with geographical restrictions, and its coverage needs to be expanded.
C2c(p2p) mode:
P2P is short for PeertoPeer, which means person to person. In this mode, the applicant can decide the interest rate, term and other conditions independently according to his credit status and repayment ability, and Party B can freely choose the object he wants to borrow like online shopping.
Scam:
1. The company name is relatively large, so the so-called "Chengxin Group", "xx Loan Group" and "xx Loan Group Company" simply cannot exist, and it is impossible for the industrial and commercial departments to allow the registration of such company names.
2. Some will pretend to be banks or well-known companies, but they don't have an office address and can't provide real company business licenses and personal ID cards.
3. Advertising information generally only provides mobile phone number and contact person. Through the mobile phone number query, we can see that publishers are concentrated in a few provinces in China.
4. The loan terms are easy, and there is no need for mortgage and income check. Basically, you can get a loan with your ID card.
5. When the borrower is tempted, the liar will ask for the fee first for various reasons, such as "interest, lawyer's fee, verification fee, insurance premium, handling fee, deposit" and so on.
6. When the borrower pays first, it is found that the liar's mobile phone can no longer be dialed, and even some borrowers are cheated without knowing the other company, personal name and ID card, or even knowing where the other party is.
Haodai Com loan application process.
Process:
Specific process
(1) Select a property
If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
(2) Apply for mortgage loan
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
(3) sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
The specific process of housing loan
The specific process of housing loan
(4) signing a house mortgage contract
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) Mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures.
I want to go to Ping An Haodai to apply for a loan. Is the process troublesome?
No problem.
Ping An Good Loan is equivalent to an online comprehensive loan information service intermediary platform. The platform will analyze the applicant's loan ability and demand according to the application materials provided by the applicant, and then a number of lending institutions and financial institutions can apply for loans without any paper documents and mortgages. Ping An Good Loan is an unsecured credit loan of Ping An Group. You can borrow one of the three products, with a maximum loan of 500 thousand. However, it should be noted that although all applications can be completed online, you still need to go to the local Ping An Bank for a face-to-face interview, so the applicant must not ignore the last step. Ping An Good Loan is a product with a maximum loan of 500,000 yuan and a monthly interest rate as low as 1. 1%. There is no handling fee during 2018.7.1-2018.9.30. The platform provides a variety of bank cash loan products with different amounts, such as monthly loan, provident fund loan and policy loan. Easy to apply, simple information, one-click application.
I. Application Process
The application process of Ping An Good Loan is as follows: download Ping An Good Loan APP→ register the mobile phone number → submit the application materials → Ping An Customer Service will contact the borrower → qualification review → loan approval.
Second, the application steps
1. Go to the home page of Ping An Good Loan, click "My" and click "Login/Registration".
2. Enter the mobile phone number and verification code, and click "Login".
3. After receiving the service upgrade prompt, click "Agree to authorize".
4. Return to the homepage and select "Loan Now".
5. To submit a loan application, you need to conduct qualification review first, and you need to fill in your mobile phone number and real name for basic information.
At the same time, you need to choose the city where you work, the date of birth, whether you have applied for a loan, and whether you have used a credit card.
6. Scheme matching needs to select whether there is mortgage, whether it is the main lender of mortgage, whether there is a local full house under its name, whether it has held the real estate license for more than one year, how many holders are on the real estate license, and whether the holders have been deleted in the past 1 year. (After completing the information, submit it for qualification review)
Three. Matters needing attention in application
1, Ping An good loan application conditions: second-generation ID card/age 23 (inclusive) -55 (inclusive)/good credit record/household registration, working relationship, and the location of one branch of Ping An Bank.
2. The loanable amount of Ping An Good Loan is 65,438+0-500,000, and the specific loanable amount and interest are assessed according to the applicant's credit report.
3. Ping An Good Loan is a combination of online and offline. If you meet the loan conditions, you can go directly to the local bank outlet to sign the loan after the appointment is successful.
What are the processes and steps of online lending?
The bank loan process is as follows:
Application: the borrower holds valid identity documents and relevant information required by the bank, fills in the credit application form and applies for credit from the handling bank;
Examination and approval: investigate the borrower's credit status, conduct examination and approval according to procedures, and notify the borrower of the examination and approval results;
Signing a contract: after the application is approved, the borrower and the credit agreement grant the borrower a credit line;
Payment: After obtaining the credit line, the borrower can apply to the handling bank for payment at any time, and the handling bank will release the loan to the borrower's personal account.
Loan process:
1. loan application: the borrower applies for a loan from the local bank. In addition to applying for rural loans, other types of loans should also provide relevant information.
(1) Basic information of the borrower and guarantor;
The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;
(3) Rectification of original unreasonable loans;
(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;
5] Project proposal and feasibility report;
(6) Other relevant information deemed necessary by the Bank.
2. Credit rating evaluation: the bank evaluates the credit rating of the borrower.
3. Loan investigation: Banks investigate the legitimacy, safety and profitability of borrowers.
4. Loan approval: The bank shall approve the loan according to the loan management system that separates loan approval from grading approval.
5. Signing a contract: The bank signs a loan contract with the borrower.
6. Loan issuance: The bank issues loans on schedule according to the loan contract.
7. Post-loan inspection: The bank conducts follow-up investigation and inspection on the borrower's execution of the loan contract and operation.
8. Loan repayment: When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.