The loan needs my signature.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

2. Do I need to sign a bank loan?

The bank loan must be signed by the borrower himself, otherwise the loan cannot be successful.

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

(1) The customer submits basic information, including work.

(2) If a lending bank or company wants to check the credit information of its customers, including customers' letters to self-employed and small and medium-sized enterprises, it needs to investigate.

(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 certificate or certificate.

3. Proof of marital status.

4. Banks are flowing.

5. Proof of income or personal assets.

7 loan use plan or statement.

Eight ingredients.

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. But it's still a bit difficult to get a loan in a bank. I want to share it with you at a certain time, hoping to help more people succeed in lending.

The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loan is generally six periods, and the loan can only be extended once, and the extension cannot exceed the original term.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range, origin, use, mode, term and risk of the loan interest rate. The loan interest rate is in the loan contract. There is a penalty interest for overdue loans.

Third, do banks have to sign IOUs in person?

Yes, it must be signed by me to ensure that it is approved by me in case of unnecessary problems in the future.

Compared with private loans, the interest rate of bank loans is much lower, but because the working hours of bank loans are very fixed and some departments are closed on weekends, it is best to choose working hours on weekdays to handle them. The question that many borrowers are most concerned about is, do bank loans have to go in person? In order to answer this question, it is necessary to know what are the precautions for bank loans.

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.

1, loan product. You can entrust others to go to the bank to know the longest term, interest, maximum amount and repayment method of loan products.

2. 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.

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

4. 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.

5. 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.

Warm reminder: in the process of personal mortgage purchase, both husband and wife need to be present in person when they go to the bank to sign a loan contract and go to the Housing Authority to record the purchase contract. Other procedures can be notarized!

4. Is the bank loan valid only if I sign it?

You must sign it yourself. In some places, you have a power of attorney notarized by a notary office, or you can entrust others to sign it for you.

Loan process

1, loan application. Borrowers apply for loans from local banks. In addition to applying for rural loans, other types of loans should also provide relevant information. (1) Borrowing money

Basic information about myself and the 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) mortgage

List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor intends to agree to guarantee; 5] Project proposal and feasibility report; (6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign 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 performance 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.