Question 1: Do I have to sign in person to apply for a loan? I am very happy to discuss this issue with you ***. The name of loan agency is not standardized, because bank regulations require that a person must be present to handle the loan procedures, so the real agency is impossible. The agency only helps you for a short time. Establish a loan connection with the bank. Generally speaking, after the loan is approved, the remittance bank card account number should be specified in the contract, and the payment will be directly transferred to the account. Of course, you can also negotiate with the relevant bank departments

Question 2: Does the homeowner have to be present for a mortgage bank loan? From what you mean above, you can already collect the entire house payment at once! Finally, the buyer takes the transferred house to the bank to get a pure mortgage loan. The payee is the person from the intermediary, so it has nothing to do with you. If you do an evaluation before the transfer, this problem will have no impact on you. They You need to entrust an appraisal company to come to your home to take a look at the condition of your house and see how much your house is worth, because the value of the house recognized by the bank must be reported by the designated appraisal company. Your problem is possible. If all your information is complete and you don’t show up in person, then they can definitely get the loan without entrusting the information!

Question 3: The loan must be applied for in person. According to regulations, the 20 points must be handled by yourself, but it does not rule out that some people handle it illegally for performance reasons!

Or maybe the person acting on behalf of you is very familiar with the process and has some connections. When you give him the information, he will ask you to fill in something first, such as your signature!

But now that supervision is getting stricter, I believe there will be fewer people who dare to do anything!

Question 4: Do I need to go to the bank for a loan in person? Hello, you must apply in person. < /p>

3. Proof of marital status;

4. Bank statement;

5. Proof of income or personal asset status;

6. Credit report;

7. Loan usage plan or statement;

8. Other information required by the bank.

Required conditions for bank loans:

(1) Applicants who are over 18 years old and have full capacity for civil conduct, permanent urban resident registration or legal and valid resident identity certificate, bank loan requirements The borrower's age is generally between 18-60 years old;

(2) Have stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank .

The procedure for unsecured loans is generally divided into three steps:

(1) The customer submits basic information, including workplace and contact number.

(2) The lending bank or company checks the customer's credit information, including whether the customer's credit rating has any illegal records. For self-employed individuals and small and medium-sized enterprises, it is also necessary to investigate their business operations.

(3) The staff of the lending unit signs a contract with the customer and implements the loan in the shortest time.

The above answers are provided by Ronglian Weiye, please refer to them.

Question 5: Do I need to go in person to get a bank loan? Yes, application conditions for small loans:

1. Be a resident of mainland China who is over 18 years old;

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

3. Have a stable source of income;

4. No bad credit record, and the loan cannot be used for stock trading. Gambling and other behaviors.

5. Other conditions required by the bank.

Small loan application process:

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

2. Prepare various materials required for the loan; < /p>

3. Interview with a bank or lending institution;

4. The bank will review the lender’s qualifications;

5. The review will be approved and the loan will be granted successfully.

Question 6: Is it necessary to be present in person to apply for a mortgage loan? You must be present in person to apply for a mortgage, and you need an ID card, household register, income certificate, marriage certificate or single certificate. The most important thing is to have no bad credit history.

Question 7: Do I need to be present in person to buy a house? Hello! There is no problem if you are not present when you buy a house. The developer only needs you to pay and bring the ID card of the home buyer. Only when you apply for a property ownership certificate or go to a bank to apply for a mutual loan, you need to be present in person

Question 8: Do I have to go to the bank in person to repay the loan? You can remit money, just transfer the money to the card used to apply for loans at the bank.

Question 9: Do I need to go in person to repay the loan? Hello, the loan repayment can be repaid by others, but in your case, the contract with the handling bank is terminated. This requires you to verify with the handling bank whether it can be handled. The specific requirements also need to be confirmed with the handling bank.

(If you have any other questions, please log in to China Merchants Bank's "Online Customer Service" consultation (website: forum.cmbchina/...ncmu=0), we will serve you wholeheartedly! Thank you for your support to China Merchants Bank Pay attention and support! )

Question 10: Do I need to be present and sign when applying for a loan? Yes