What is the procedure for obtaining a loan?

Bank loan procedures: (1) When an enterprise applies for establishing a credit relationship, it must submit an application for establishing a credit relationship in duplicate. After receiving the application submitted by the enterprise, the bank shall appoint a loan officer to investigate. The investigation contents mainly include: ① the legality of enterprise operation. Whether the enterprise has the necessary relevant conditions for legal person qualification. For enterprises with legal personality, it should be checked whether the business scope approved by the business license is consistent with the actual business scope. (2) the independence of enterprise management. Whether the enterprise implements independent economic accounting, accounts for profits and losses separately, and has independent financial plans and accounting statements. ③ Whether the enterprise and its main products belong to the development sequence of national industrial policy. (4) the efficiency of enterprise management. Whether the final accounts of the enterprise are accurate and in compliance with relevant regulations; The present situation and trend of financial performance. ⑤ Rationality of the use of enterprise funds. Whether the working capital and fixed capital of the enterprise are managed separately; Whether the occupation level and structure of working capital are reasonable, whether it is squeezed or misappropriated. 6. New and expanded enterprises. Whether the 30% working capital needed to expand production capacity has been raised. If there is a temporary shortage, have you made a plan to make up for it in the short term? After investigating and understanding the above situation, the loan officer shall write a written report and sign an opinion on whether to establish a credit relationship, and submit it to the director of the department (unit) and the president (director) for approval step by step. After the president (director) agrees to establish a credit relationship with the enterprise, both banks and enterprises shall sign a contract to establish a credit relationship. (2) An enterprise that has established a credit relationship and applied for a loan may apply for a working capital loan from the bank according to its reasonable working capital needs in the process of production and operation. [Take an industrial production enterprise as an example] When applying for a loan, an application for a working capital loan from an industrial production enterprise must be submitted. According to the national industrial policy, credit policy and relevant systems, combined with the credit scale plan approved by the superior bank and the source of credit funds, the bank carefully examines the enterprise loan application. (3) loan review The main contents of the loan review are: ① the direct use of the loan. Direct uses that meet the scope of working capital loan support for industrial enterprises are: reasonable purchase of goods to pay for goods; Submit notes payable; Advance payment approved by the bank; Special loans are used according to the prescribed purposes; Other purposes that meet the requirements. (2) The recent operation of the enterprise. It mainly includes the procurement, consumption and storage of materials, the supply, production and sales of products, and the occupation level and structure of working capital; Credit status; Economic benefits, etc. (3) the implementation of the enterprise's potential tapping plan, liquidity acceleration plan and liquidity supplementary plan. ④ The development prospect of the enterprise. It mainly refers to the development prospect of the industry to which the enterprise belongs, the development direction of the enterprise, the product structure, life cycle and new product development ability, the practical work ability of the main leaders, the management decision-making level and the pioneering and innovative ability. ⑤ Debt capacity of enterprises. Mainly refers to the actual amount of the enterprise's own liquidity and current assets and liabilities. Generally, it can be analyzed by two indicators: the proportion of self-owned liquidity to total liquidity and the debt ratio of current assets of enterprises. (IV) Signing a loan contract A loan contract is an agreement that the lender will deliver a certain amount of money to the borrower for use according to the agreed purpose, and the borrower will repay the principal and interest at maturity. This is an economic contract. The loan contract has its own characteristics. The object of the contract is currency, and the lender is generally a national bank or other financial institution. The loan interest is stipulated by the state, and the parties cannot agree at will. The parties reached an agreement on the main terms of the loan contract after consultation according to law. An application is made by the borrower, and a loan contract can be signed after the lender has approved it. The loan contract should have the following terms: ① loan type; (2) the purpose of the loan; ③ loan amount; (4) loan interest rate; (5) Term of the loan; (five) the source of repayment funds and repayment methods; ⑦ Guarantee clause; 8. Liability for breach of contract; Pet-name ruby other terms agreed by both parties. The loan contract must be signed and sealed by the representatives of both parties or the agents authorized by the legal representatives. (5) After the loan issuing enterprise has applied for a loan, both banks and enterprises shall sign relevant loan contracts according to the types of loans. When signing the contract, you should pay attention to the accuracy of the project, the clarity and neatness of the text, and you must not alter it; The official seals of the borrower, lender and guarantor and the signature of the legal representative are complete and correct. The borrower opened an iou. A loan receipt is a written loan certificate, which can be signed at the same time as the loan contract, or it can be signed at one time or in installments within the amount and effective time stipulated in the contract. Bank managers should carefully examine and check whether the contents of the loan application are correct and consistent with the loan contract. After the loan application is verified correctly, fill in the Notice of Loan Issuance, and the letter clerk, department (unit) head "two signatures" or president (director) "three signatures" will send the loan to the bank accounting department for transfer to the borrower's account. After the loan application form and the loan issuance notice are recorded by the accounting department, the last copy is returned to the credit department as a voucher for registering the loan account. Information and conditions required for housing mortgage loan: 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Loans can only be made with collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral; 7. Have a long-term stable income source and proof of income sufficient to pay the monthly loan principal and interest; Conditions for personal loans of banks 1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland; 2. Pay the down payment (not less than 30% of the total purchase price); 3. Have a stable economic income and the ability to repay the loan principal and interest; 4. Agree to use the purchased property as loan collateral. 1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; 4. Information provided: ID card, household registration book, proof of marital status, proof of income, real estate license, ID card, household registration book, proof of marital status of guarantor and other relevant information required by the bank. You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee. Information 1, the original and photocopy of the resident ID card to be issued and provided for editing the personal loan information of the bank in this paragraph; 2. The original and photocopy of the house subscription book; 3. The original and photocopy of the down payment; 4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc. Edit the repayment method of personal loan in this paragraph (1), and make equal repayment every month according to the signed repayment contract. The customer shall voluntarily deposit the monthly loan principal and interest into his house purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment; 2. prepayment: the customer should apply to the bank one month in advance, and the loan interest can be exempted in advance, but the interest rate is still implemented at the same time as the original loan term. Calculation of loan repayment If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum, and the interest will be paid with the principal; If the loan term exceeds 1 year, the repayment method shall be equal, and the loan principal and interest shall be repaid in monthly installments. Personal housing loans, with the consent of the lender, the borrower can repay in advance. The borrower can choose the following two ways to prepay: (1) All prepayment The borrower can apply for prepayment of all outstanding loan principal and interest in one lump sum. (2) Partial prepayment The borrower applies for partial prepayment, and many repayments within the whole loan period are concentrated in the first repayment. The remaining outstanding loans can be handled by shortening the original agreed repayment period, or keeping the original agreed repayment period unchanged and reducing the monthly repayment amount. Bank personal loans are simply divided into the following categories: First, personal housing loans. Including personal housing commercial loans, personal housing provident fund loans, personal housing portfolio loans, personal car consumption loans, personal durable goods consumption loans, personal consumption loans. For personal loans from banks, individuals are one of the products welcomed by consumers. Generally, the application conditions for personal micro-loans are relatively simple and the application process is not complicated. As long as the bank approves, you can get the loan in a short time.

2. What is the procedure for obtaining a loan from a credit company?

The two most effective ways to apply for a large credit card.

One of the most effective methods: submit proof of property.

For large credit cards, the choice of bank credit cards is irrelevant. What matters is whether your real estate license meets the regulations of this bank.

Generally speaking, real estate license includes: real estate, automobile production, wealth management products, etc. Personal name.

Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).

If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.

However, the bank does not accept the vehicle ownership certificate.

Guangfa Bank, China Merchants Bank, etc. Accept the relevant certificates of automobile production.

The second most effective method: using cards to handle cards.

It is an effective way to handle large credit cards with cards. Take Minsheng Bank as an example, there is no need to provide any additional proof of assets: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000. The processing conditions are: the original card limit is more than 40,000, and the standard platinum card, luxury platinum card is more than 80,000, and the diamond card 15000 is more than that.

To apply for a large credit card, according to the standards of the bank scoring system, some conditions are used, such as good credit record, superior occupation, stable income and high deposit.

If the recommendation card can't be made, you can only spend money to find someone.

Get a card and withdraw cash. You can call me.

3. What is the procedure for obtaining a loan from a credit company?

Application conditions:

1, Chinese mainland residents aged 18;

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

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank. Processing flow: 1. Submit an application to a local bank or lending institution; 2. Prepare various materials required for the loan; 3. Face-to-face signing of banks or lending institutions; 4. The bank examines the qualifications of the lender; 5. Approved and successful loans.

4. What are the procedures for buying a new car by mortgage?

First of all. Income proves your identity. Third. Vehicle registration certificate, insurance invoice and car purchase contract. A document certifying the purpose of the loan. That's about it. It depends on what you do.