Generally speaking, in the process of submitting materials, some links can be helped by others, but when the loan contract is finalized, it must be signed by myself, and some loans need to be photographed and kept. If it is a special case, it is necessary to obtain the consent of the bank and handle the entrustment certificate, and entrust relatives and friends to handle it.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply. Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.

There are several aspects that need attention: loan products. You can entrust others to go to the bank to know the longest term, interest, maximum amount and repayment method of loan products.

Comparison of loan interest. Because the preferential policies of each bank are different, if you can't go by yourself, you can ask customers to help you visit several banks and consult the details of similar products. The most important thing is the application threshold and interest cost.

Loan procedures. You can find out what the bank loan procedures need, which steps must be taken in person and which can be authorized.

Sign the contract. Generally speaking, it must be signed by myself to take effect. It is also important to read the contract carefully. You can't just authorize others to sign. After all, once others are allowed to apply for loans casually, it is easy to appear.

Credit report. Now that you apply for a mortgage, the bank will ask you to issue a detailed credit report. This needs to be printed by yourself or someone authorized to go to the bank The process is troublesome, so it is better to handle it yourself.

Do I need to go to the bank for a loan?

Not that I can't get a loan. The specific bank loans are as follows: 1. Personal housing loans, including: (1) personal housing commercial loans. Personal housing commercial loan is a self-operated loan issued by bank credit funds. It refers to a housing commercial loan that a natural person with full capacity for civil conduct buys his own house in a town of this city, and applies to the bank with the property house he bought as a guarantee for repayment of the loan. (II) Personal housing provident fund loans Personal housing provident fund loans are entrusted loans issued by policy housing provident fund, which refers to the housing provident fund loans that employees who pay housing provident fund apply to the bank as a guarantee for repayment of loans when they buy, build, renovate or overhaul their own houses in cities and towns of this city. (III) Personal Housing Portfolio Loan Where a borrower who meets the requirements for personal housing commercial loans pays housing provident fund at the same time, he can also apply for personal housing provident fund loans from the bank while handling personal housing commercial loans, that is, the borrower can purchase the urban self-occupied housing in this city as collateral, and at the same time apply for personal housing provident fund loans and personal housing commercial loans from the bank (the loan method is referred to as personal housing portfolio loans). Two. Personal automobile consumption loan. Personal durable consumer goods loan Personal loan object and conditions 1. Loan targets: China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland; Pay the down payment (not less than 30% of the total purchase price); Have a stable economic income and the ability to repay the principal and interest of loans; Agree to use the purchased property as collateral for the loan. 2. Meet the following conditions at the same time: (1) Holding a legal household registration book (not limited to this city), an identity card or business license, a certificate of legal representative or a legal residence permit and passport, and buying a commercial house designated by the bank in this city; , open a special deposit account in the bank, the deposit balance is not less than 30% of the housing to be purchased; There are valid proof documents such as purchase contracts and agreements; Agree to mortgage the property under the purchase contract; Willing to perform all the terms of the loan contract; Other conditions stipulated by the bank. 3. Information to be issued and provided: original and photocopy of resident ID card; Original and photocopy of the house subscription book; The original and photocopy of the down payment; Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc. Personal loan procedures and subscription book signing: the customer signs a subscription book with the real estate development company that has signed a contract with the bank and pays the down payment to the real estate development company; Application: the customer applies for mortgage in the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents; Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged; Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral; Loan issuance: the bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

Do I need to be present at the loan?

Need. The loan must be made in person, and the contract must be signed by myself. Not allowed to sign on my behalf. After all, the loan contract is legally binding. If I don't sign on the spot, the contract is usually difficult to handle. After all, the loan involves overdue repayment, and I need to bear the obligation to return the loan after signing it.

At present, the common loans are mortgage, credit loan, mortgage loan and car loan, and the materials submitted by different loans are different. For example, to handle all kinds of loans, the borrower must be 18 years old and have full capacity for civil conduct, and the user must have repayment ability; When applying for a loan, the borrower must have good credit information, which are the basic requirements of the loan.

If the lender has applied for a mortgage, the user also needs to submit the running water of the last six months, as well as the purchase contract and down payment certificate, as well as other loan conditions stipulated by the bank. It usually takes about 30 days to apply for a bank mortgage. If there is no reply for a long time, you can call the bank at this time. There are generally two repayment methods for mortgage, namely, matching principal and interest and average capital. Under the same loan conditions, the total interest of equal principal and interest repayment is higher than that of equal principal repayment.

However, during the epidemic, many banks have opened online business, without face-to-face counter signing, and bank APP remote video signing face to face. Specifically, ask the bank designated by the developer or the bank of your choice. If it is a first-hand house, in most cases it is a bank designated by the developer, and the bank also needs sales and profits, so developers generally do it for them. In this case, it is easier for everyone to communicate. If it is really not possible, you can negotiate with the bank and use the compliance authorization that meets the requirements.

However, whether it is online remote video face-to-face signing or counter face-to-face signing, the loan must be signed by myself. Imagine, is it possible that you lost your ID card and someone else took your ID card and information to get a loan? Therefore, in order to avoid this situation, you must be present in person and sign the loan in person.

Do I need to sign a bank loan?

The bank loan must be signed by the borrower himself, otherwise it will not be successful.

First of all, the program is generally divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

II. Materials to be prepared for handling bank loans:

1. Valid ID.

2 permanent residence or valid residence certificate, permanent residence certificate.

3. Proof of marital status.

4. Banks are flowing.

5. Proof of income or personal assets.

6. Credit report.

7 loan use plan or statement.

8. Other information required by the bank.

Now more and more post-80s and post-90s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.

The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.

Can I get a loan if I don't go

I have to apply for a bank loan. To apply for a loan in a bank, you need not only complete documents, but also my signature, fingerprints, ID card to compare with me, and even take photos on the spot. You can't get a bank loan until you get to the scene.

The process is as follows:

1. Loan application. When the borrower needs loan funds, it shall submit a loan application in the manner and content required by the lender, abide by the principle of good faith, and promise that the materials provided are true, complete and effective. The basic contents of the application usually include: the name of the borrower, the nature of the enterprise, the scope of business, the type, term, amount, method and use of the loan, the plan for the use of funds, the plan for repayment of principal and interest, etc. , and provide other relevant information required by the lender.

2. Acceptance and investigation. After the banking financial institution receives the borrower's loan application, the account manager in charge of customer relationship management shall collect the borrower's information in an effective way. Investigate and analyze its qualification, credit status, financial status and operation, evaluate its credit rating, and evaluate the project benefit and solvency. At the same time, the credit and financial status of the guarantor should also be analyzed. If collateral (pledge) is involved, it is necessary to analyze its ownership, market value and liquidity, and initially agree on specific credit terms. The account manager shall write a written report according to the investigation contents, and put forward the investigation conclusions and credit opinions.

3. Risk assessment. The person in charge of credit of banking financial institutions shall report the investigation conclusions and preliminary opinions on loans to the examination and approval department. The examination and approval department conducts a comprehensive risk assessment on the pre-loan investigation report and loan information, establishes quantitative or qualitative indicators and standards, reviews the borrower's situation, repayment sources and guarantee conditions, and comprehensively evaluates risk factors. Risk assessment belongs to the loan decision-making process and is one of the key links in the whole loan process management.

4. Loan approval. Banking financial institutions shall, in accordance with the principle of "separating loan approval from grading approval", make a final decision on the loan content and conditions such as the investment, amount, term and interest rate of credit funds, and sign approval opinions step by step.

5. Contract signing. Contract signing emphasizes the principle of agreement commitment. After the loan application is examined and approved, the banking financial institution and the borrower * * * sign a written loan contract as a legal document defining the rights and obligations of both parties. Its basic contents include the amount, term, interest rate, loan type, purpose, payment, repayment guarantee, risk disposal and other elements and related contents. For secured loans, banking financial institutions should also sign a written guarantee contract with the guarantor; For mortgage (pledge) secured loans, banking financial institutions must also sign mortgage (pledge) secured contracts and go through relevant legal procedures such as registration.

Do banks have to sign IOUs in person?

The bank loan must be signed in person, and the borrower must sign in person when the bank loan is made, otherwise it will not succeed.

Application conditions

With the development of the information age, applicants can also apply online. There are many formal personal credit loan application platforms on the website, such as Rongdao. Whether it is unsecured loans or personal credit loans.

You can apply for online loans through Rongdao. China Merchants Bank, Standard Chartered Bank, Citibank, Ping An Bank and many other banks have advantages in personal credit products.

Applicants can fill in the loan application information online through Rongdao.com and apply for personal loans in Rongdao.com. If the borrower's qualification meets the requirements, the loan can be released within 1 working days after approval by the general bank.

The specific steps, application conditions, interest rate and application amount of the loan are different for everyone or every enterprise. The general specific loan interest rate is determined by many factors.

Such as the applicant's personal or enterprise qualifications, collateral and other guarantees, the nature of financial institutions, etc. Different applicants and loan types need to provide different application materials.

Common personal data such as: identity certificate, work certificate, residence certificate, etc. Enterprise application materials, such as business license, financial statements, loan cards, etc. Financial proof of mortgage loans such as real estate and automobiles; Credit loans such as income certificate and bank card statement.

Extended data:

Conditions to be prepared

The first step of the loan preparation procedure:

1, no guarantee, China nationality is required (excluding Hongkong, Macau and Taiwan Province residents);

At the same time, you must be at least 25-55 years old.

3. The current address must be 6 months and the local work must be 6 months;

At the same time, the most important thing is that the credit card repayment record is good, and it is not overdue at present. If you are an office worker, you have to work in your current unit for 6 months.

Loan Preparation Procedure Step 2:

First, the applicant fills in his contact information online and sends the relevant materials to the new loan by mail or fax;

Secondly, the relevant bank will have a special customer service to contact the applicant after receiving the applicant's information; Finally, the applicant submits the relevant materials to the door for approval by the bank. After approval, the bank lends money.

As long as your materials are complete, you can get the account as soon as 1 day.

Bank application process:

(1) Provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information;

(2) Provide stable address, housing lease contract, utilities, property management and other related information;

(3) provide a stable source of income, bank running list, labor contract, etc.