; ? 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 a non-person is allowed to apply for a loan casually, it is easy to cause disputes.
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!
Do I need to be present in person to handle the loan?
You must attend the loan in person and sign the contract. After all, the loan contract is legally binding, and it is generally difficult to handle it without signing the contract. After all, the loan involves overdue repayment, and I need to bear the obligation to repay the loan after signing it.
Common loans are mortgage loans, credit loans, mortgage loans, car loans and so on. The materials submitted by different loans are different. For example, 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 borrower applies 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.
Generally, there are two repayment methods of mortgage, equal principal and interest and average principal. Under the same loan conditions, the total interest of equal principal and interest repayment is higher than the average capital. Judging from the monthly repayment amount, the monthly repayment amount of equal principal and interest is the same, and the average capital is decreasing. Users can decide the repayment method according to their own income.
In fact, the borrower had better consult the bank in advance before handling the loan to determine whether he can borrow money from the bank and evaluate his repayment ability. He can borrow money if his income grows steadily. If his income fluctuates greatly, he should handle the loan carefully at this time to prevent himself from being unable to repay on time later. If it is overdue, it will have an impact on his personal credit information, and it will be more difficult to apply for a loan in the future.
Such an important matter is bound to be present in person.
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, you can apply for personal unsecured loans online. There are many formal personal credit loan application platforms on the website, such as Rongdao.com, regardless of unsecured loans, 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 unsecured loans in Rongdao. 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 for preparing unsecured loans
The first step of the loan preparation procedure:
1. Unsecured microfinance requires us to have China nationality (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 unsecured loan 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.
Baidu encyclopedia-unsecured loan
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, the procedures for handling unsecured loans are 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.