Is the bank going to issue a loan if it asks for a signature?

If the bank notifies the customer to go to the branch to sign, it does mean that the loan applied for by the customer has been approved. After that, as long as the customer comes in at the agreed time Go to the branch to sign the contract and complete the relevant procedures, and the bank will issue the loan immediately.

Of course, if the customer does not go to the branch to sign the loan contract, the bank will naturally not issue the loan funds. Therefore, after receiving the notice from the bank, customers must go to the branch for an interview in time.

Everyone needs to note that signing a loan contract must be done by the borrower himself and cannot be entrusted to others. If the customer is unable to go to the branch to sign within a short period of time after receiving the notice from the bank, in order not to affect the loan disbursement, it is recommended to contact the bank to explain the situation and see if the interview time can be postponed.

Also, from the bank notification to sign, to the customer going to the branch to sign the contract and go through relevant procedures, to the loan funds being released to the account, this process may take about one to two weeks, and it is not It'll be done right away.

Loan procedures:

1. Loan application. The borrower applies for a loan to a local bank. In addition to applying for rural loans, you must provide relevant information when applying for other types of loans.

⑴ Basic information of the borrower and guarantor;

⑵ The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the period before the loan application; ⑶ Correction of the original unreasonably occupied loans;

(4) Collateral, list of pledged properties, proof of the consent of the person with the right to dispose of the mortgage and pledge, and relevant proof of the guarantor’s intention to agree to the guarantee;

⑸Project proposal and feasibility report;

⑹Other relevant information deemed necessary by the bank.

2. Credit rating assessment. Banks evaluate borrowers' creditworthiness.

3. Loan investigation. The bank investigates the borrower's legality, safety, profitability, etc.

4. Loan approval. Banks review and approve loans based on a loan management system that separates loan review from loan review and provides graded review and approval.

5. Sign the contract. The bank signs a loan contract with the borrower.

6. Loan disbursement. The bank issues loans on time according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigations and inspections on the borrower's execution of the loan contract and the borrower's operating conditions.

8. Loan repayment. When the loan matures, the borrower must repay the principal and interest of the loan in full and on time. If he wants to extend the loan, he should submit a loan extension application to the bank before the loan maturity date. Whether to extend the loan is decided by the bank.

Does a bank loan require a signature in person?

Bank loans must be signed by the borrower himself. When a bank loan is issued, the borrower must sign in person, otherwise the loan cannot be successfully issued.

Application conditions

With the development of the information age, individual applicants can also apply online. There are many formal personal credit loan application platforms on the website, such as Rongdao.com, whether it is unsecured loans or personal credit loans.

You can apply for online loans through Rongdao.com. The personal credit products of banks such as China Merchants Bank, Standard Chartered Bank, Citibank, and Ping An Bank are relatively advantageous.

Applicants can fill in the loan application information online through Rongdao.com and apply for an individual on Rongdao.com. If the borrower's qualifications meet the requirements, the loan can generally be released within 1 working day after the bank approves the review.

The specific steps, application conditions, interest rates, application amounts, etc. of the loan are different for each person or company. Generally, the specific loan interest rate is determined by a variety of factors.

Such as the applicant’s personal or corporate qualifications, collateral and other guarantees, the nature of the funding institution, etc. Different applicants and loan types require different application materials.

Common personal information such as: identity certificate, work certificate, residence certificate, etc.; business application information such as: business license, financial statements, loan cards, etc.; mortgage loans such as real estate, car, etc. financial proof; credit loan Such as income certificate, bank card statement, etc.

Extended information:

Conditions that need to be prepared

The first step of loan preparation procedures:

1. No collateral, we need Have Chinese nationality (excluding residents of Hong Kong, Macau and Taiwan);

2. At the same time, you must be between 25 and 55 years old;

3. Currently living in The residential address must be at least 6 months old, and the local work must be at least half a year;

4. At the same time, the most important thing is that the credit card repayment record is good and is not currently overdue. If you are an office worker, you must have been working in your current employer for at least 6 months.

The second step of loan preparation procedures:

First, the applicant fills in his or her contact information online and sends relevant materials to Xinyidai by email or fax Loan;

Secondly, the relevant bank will have a dedicated customer service team to contact the applicant after receiving the applicant's information; finally, the applicant will submit relevant materials at home, and the bank will review and approve the loan. After approval, the bank will release the loan.

As long as you have all the materials, it can arrive in your account in as little as 1 day.

Bank application process:

(1) Provide personal identity information, including ID card, residence permit, household register, marriage certificate and other information;

(2 ) Provide a stable address, house rental contract, water and electricity payment slip, property management and other related information;

(3) Provide a stable source of income, bank statement, labor contract, etc.