Do you need your wife to sign the loan?
If married, it is necessary for both husband and wife to come forward. If the bank is unilateral, one possibility is that your credit report does not show that you are married, and the other possibility is that the bank violates regulations.
If it is the first case, the bank has no mistake and the contract takes effect. If it is the second type, the bank will be responsible, and then it will become an economic dispute. It's hard to say who is responsible for how much. However, if you are lucky enough to know that the bank has made a mistake and think that the bank has made a mistake, and you will not be held accountable if you don't pay the money then, then you are all wet. It's one thing to make an operational mistake, but it's another to spend the bank's money. Even if the bank makes a mistake, you have to pay back the principal and interest of your loan.
If the certificate is not your signature, then you are not responsible, but whoever uses the money will pay it back.
Never challenge the law.
personal loan
Also known as retail loan business, after decades of development, it has become an important loan business. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
Application conditions
Folding application folding processing rules
1. The customer applies to fill in the loan application form as required.
2. The customer submits the applicant's identification materials, including valid resident ID card, household registration book and residence certificate. If you have a spouse, you should also provide a marriage certificate, a spouse's identity card and relevant identification materials.
(1), business license of individual owner, tax payment certificate, etc.
(2) If the loan application requires guarantee (including mortgage and guarantee), the guarantee materials shall be submitted.
3. Review (1) whether the materials submitted by customers are complete, whether the official seal affixed is clear, whether the name of the loan enterprise is consistent with the business license, and whether the materials are complete, legal, standardized, true and effective. (2) Currency, term, amount, guarantee method, loan purpose and negotiation content of credit business. Whether it matches.
(3) Whether the application purpose, term, amount, guarantee method and basic information of the entrusted agent of credit business are consistent with the resolution of the shareholders' meeting or the board of directors. Whether the signatories of relevant resolutions comply with the articles of association and organizational documents.
(four) the business license and other valid documents that have passed the annual examination.
(5) review of mortgage or guarantee materials, whether the collateral is sufficient and whether the guarantor has the ability to guarantee in full. After the customer's application materials are audited, if the materials are incomplete, the agent shall return the application materials to the customer and make explanations. If the materials are complete, check the original, and the customer will sign the copy, and the signature is consistent with the original. Fill in the Credit Business Evaluation Handover Form after confirmation. Entering the investigation stage should be completed within half a working day.
4. Credit evaluation
(1) The overall credit status of customers, including the credit status of the People's Bank of China and the social credit status.
(2) Balance sheet and real estate status.
(3) Whether the loan purpose and repayment source are reliable.
(4) Whether mortgage or guarantee is feasible. 5. approval. Implementation of pre-loan conditions. Sign contracts, including guarantee or mortgage contracts. Quit 9. Credit registration 10, accounting 1 1, post-loan inspection 12, loan recovery.
How to write an application for enterprise loan
loan application
_ _ _ _ _ _ Bank _ _ _ Branch:
_ _ _ _ _ _ Company is a key joint-stock enterprise in this district. In order to solve the difficulties in the production and operation of working capital, our company has applied to your bank for a working capital loan _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
I. Basic information of the enterprise: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ It is estimated that the annual output value will reach _ _ _ _ million yuan in 20 14, and the sales income will reach _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Our products passed the international quality system certification in. In recent years, it has undertaken a number of projects, won the trust and praise of customers, and won awards from the municipal, district governments and industrial and commercial administrative departments? Valuing contracts and keeping promises? Advanced enterprise.
2. In order to make the enterprise successfully leap over the innovation of moving the factory into the mine and promote the smooth development and growth of the enterprise, according to the actual needs of the company's production and operation, we hereby apply to your bank for granting our company a working capital loan of _ _ _ _ _ _ _ _ _ million yuan to solve the problem of capital shortage in the process of production and operation.
Three. Regarding the loan term, according to the company's market and mine production this year, the loan term is two years.
Four. Loan collateral: Our company applies for this loan with the existing land and attachments on the ground as loan collateral.
The company promises to repay the principal and interest on time with a high degree of integrity and repay your concern and support for the enterprise with practical actions.
_ _ _ _ _ company
20 14 _ _ _ _ _ _