Bank loan review process: Step 1: Sub-branches and sub-branch account managers receive customers and conduct preliminary negotiations. At this stage, the bank account manager will understand the basic situation of the customer and introduce the banking products that the customer may use according to the customer's situation. Step 2: The customer provides necessary parts and auxiliary parts according to the requirements of the bank. It is not required to provide complete documents at one time, because each customer's situation is different, and some people need to reissue documents because their household registration books are not local. As long as the evaluation report is delivered and the bank account manager completes the loan file, it can be completed. This can adjust the schedule as a whole and speed up the loan approval. Step 3: Sign the contract. Signing a contract and providing requirements are carried out at the same time. Signature refers to the loan contract signed by the customer and the bank, which is quite thick, with more than ten documents and about 20 signatures. There are mainly loan master contract, loan application form, down payment letter (loan sale), mortgage registration power of attorney, single or house detailed statement, bank notice, conversation record (basically multiple-choice question), custody agreement, IOUs, power of attorney for inquiring personal credit information and so on. In addition, the bank will require customers to open a settlement card or passbook of the relevant bank to repay the land. Step 4: Inquire the credit information of the lender. After signing the contract, the bank account manager will immediately conduct personal credit inquiry in the background. This must be signed by the customer when signing the contract (the central bank's regulations on protecting personal privacy). Step 5: Report for review, or not report for review. After signing the contract, the account manager will directly report to a qualified evaluation company for evaluation. Provide the other party with a copy of the real estate license and the party's ID card, and evaluate the time for the company to contact the party for field investigation that day. It usually takes three working days from house inspection to evaluation report, and five working days if the report needs express delivery. During this time interval, we have time to supplement the missing documents. If it is a recent transaction before the transfer, the bank will also give an assessment-free treatment according to the situation of the collateral, that is, according to the transaction price of the last assessment. The evaluation value directly affects the loan amount. For example, the loan amount for mortgage consumption and house purchase shall not exceed 70% of the assessed value and the value of the house purchased (when the policy is tightened, the loan amount can only be 50% or less). Step 6: the leader signs and the bank account manager hands in the papers. When all the documents and materials of the lender are completed, the evaluation report is also received. Bank account managers will make papers, double sign them, sign them by leaders, enter them into the system (some banks are entered by examiners), and submit them. Take notes and fill in contracts and documents. Double signing refers to the certificate that two or more account managers or competent leaders with signing authority must sign the document to confirm that the document is complete and the information is true and reliable. Leadership signature generally refers to the signature of the president in charge of the branch. Generally, the application is made through the return channel between the branch or sub-branch and the branch or the head office, and some account managers dutifully deliver it directly to the examination and approval center. There are also branches of some banks that have the power of examination and approval, that is, they can make their own papers and submit them directly to their superiors for examination and approval. It should be noted that before the bank account manager double-signs. The contracted account manager will conduct telephone verification, mainly including whether the income in the income certificate submitted by the lender is true, whether the company telephone number is true, whether the contact information is correct, and some will check the company information online. Now there are several more items, such as inquiring about the property status under the name of an individual and so on. Step 7: The branch approval center or the loan auditor with the approval authority of the branch shall conduct the approval. Pre-loan approval is divided into two steps, first instance and final instance. The examiner mainly reviews the integrity of the data in the file and makes a second telephone verification. Investigate the authenticity of data, provide the reliability of documents, and give preliminary opinions according to the materials submitted by customers and the credit rating of customers. For example, the loan period, interest rate, loan amount and so on that can be given in line with the policy. The final assessor mainly reviews and judges according to the logic and authenticity of the data in the file. Generally speaking, the final decider is a very experienced clerk. Whether there is false information and whether the customer has the repayment ability can basically be judged. The final opinion given by the judge is the final opinion. If it is passed, a loan approval letter will be issued. The loan approval letter is generally electronic, and the branch can issue a written loan approval letter according to the specific situation. The work of loan review is very complicated, and it is necessary to conduct risk review according to various regulations. There are many conditions for audit, mainly involving laws, such as civil code, banking law, real estate management law, civil code, urban planning law, civil law and so on. Step 8: Pass the examination and approval, register the mortgage, and get a loan from the bank. Now the account manager will ask the lender to go to the Construction Committee or the Real Estate Bureau for mortgage registration. For example, Chaoyang Haidian can basically complete it on the same day. After receiving the mortgage certificate issued by the Construction Committee, the bank will return to the branch for filing and make a loan, which is generally completed by the accounting department. Step 9: Post-loan management. After the bank releases part of the money for targeted use, it will ask the lender to provide proof of the use of the money. The time is basically within one month after the loan is issued.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 465 A lawfully formed contract shall be protected by law. A legally established contract is legally binding only on the parties, except as otherwise provided by law.

Article 466 If the parties have disputes over the understanding of the terms of the contract, they shall determine the meaning of the disputed terms in accordance with the provisions of the first paragraph of Article 142 of this Law. Where a contract text is concluded in two or more languages, and the agreement is equally authentic, the words used in each text shall have the same meaning. If the words and expressions used in each text are inconsistent, they shall be interpreted according to the relevant terms, nature, purpose and principle of good faith of the contract.

Article 467 The provisions of the General Provisions of this Part shall apply to contracts not expressly provided for in this Law or other laws, and reference may be made to the most similar contracts or other laws in this part. Chinese-foreign joint venture contracts, Chinese-foreign cooperative operation contracts and Chinese-foreign cooperative exploration and development contracts in People's Republic of China (PRC) shall be governed by the laws of People's Republic of China (PRC).

Article 468 The legal provisions concerning the creditor-debtor relationship shall apply to the creditor-debtor relationship not arising from the contract; Where there are no provisions, the relevant provisions of these General Rules shall apply, except those that cannot be applied according to their nature.

Article 502 A lawfully formed contract shall become effective upon its formation, unless otherwise provided by law or agreed by the parties. In accordance with the provisions of laws and administrative regulations, if the contract should go through the approval procedures, such provisions shall prevail. If the failure to go through the formalities such as approval affects the effectiveness of the contract, it will not affect the performance of the obligation clauses such as approval and the effectiveness of relevant clauses in the contract. If the party that should go through the formalities for approval fails to perform its obligations, the other party may require it to bear the responsibility for violating its obligations. The modification, assignment and dissolution of a contract shall be subject to the provisions of laws and administrative regulations, and the provisions of the preceding paragraph shall apply and shall be subject to approval.