Bank loans cannot be signed by family members. Just need the signature of the head of household. Buying a house with a loan is an important civil act, so usually the bank needs my signature for approval. If you need to sign, you must provide the corresponding legal documents. For example, the notarized power of attorney belongs to the guardian, and it is necessary to provide the proof documents of the guardian provided by the community and the public security organ. If the bank requires two people to sign at the same time, there is no other way. If the bank allows, it can sign on behalf of it.

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!

I want to apply for a loan from the bank. Do I need to bring my ID card for the approval? Can someone else sign it?

Let's just say it's simple and clear. Most businesses and affairs can be represented or authorized within the scope permitted by law or objective phenomena. For example, I voluntarily give you my bank card password and withdraw money from you, which is an authorized agent. Generally, just sign the loan application, because it's just an application. There are many processes involved in the loan, and there are certain potential risks. Relevant personal data fall into the hands of others. Just like the kitchen knife theory, the main links such as cutting vegetables, committing crimes and personal loans from banks must be signed by myself and my spouse or guarantor. I have never experienced any personal loan and have been entrusted. I did it myself, and the bank asked me to do it myself.