How to write an application for a loan?

First, look up the XXXXXX branch/unit, and then introduce yourself, explain the reason and purpose of the loan, and write down the period of time you want to borrow and how many years you want to borrow. Should you repay principal and interest in equal installments, and make a guarantee to repay on time? Just sign and fingerprint at the end.

1. Write a salutation at the beginning of the application, that is, indicate which bank you are applying for a loan from;

2. In the main text of the application, write down your current unit, professional title, income, Loan purpose, loan amount, and repayment period. In order to ensure a smooth loan, if you use your own property as a mortgage, you should also indicate what kind of real estate or movable property is used as a security mortgage;

3. Generally speaking, banks or units must first approve a loan application before approving it. The personal information of the loan applicant will be inquired to understand his or her credit status and confirm whether he or she has the ability to repay the loan. Therefore, in the loan application form, you should clearly indicate that you agree to the unit or bank querying your information through the People's Bank of China's personal credit reporting system;

4. When stating the purpose of the loan, you should be specific, for example: I declare This property is the nth house purchased by the family with a loan (excluding provident fund loans);

5. Generally speaking, before applying for a loan, in order to facilitate the lender's repayment, the bank will let you Open an account at that branch. Therefore, in the loan application, you should state that you have opened an account in accordance with your bank's requirements and indicate the specific account number;

6. Write something similar to a letter of guarantee. That is to say, it is guaranteed to be deposited in full to repay the principal and interest before each repayment period and the loan maturity date, and the lender is authorized to deduct the loan principal and interest from the account on the monthly repayment date and the loan maturity date ( Including overdue interest and penalty interest);

7. Changing accounts often occurs in life. Therefore, it should be stated in the application: If the repayment account is changed, I will provide new account information in a timely manner;

8. Make it clear that you are willing to bear the liability for breach of contract: If there is insufficient funds in the account and the loan is in arrears, phenomenon, I accept all legal collection measures of your organization (bank) and voluntarily bear all consequences;

9. Finally, you need to sign and fingerprint the applicant, write down the valid ID card, and the date of application.

How to write a personal loan application sample loan application letter

Nowadays, advanced consumption is becoming more and more popular, so more and more borrowers are applying for mortgage consumer loans. Friends who need a loan are now concerned about how to write a personal loan application? Here is a list of some personal loan application writing samples and precautions for you.

Personal Loan Application Version 1

China Post Bank Yanhe Branch:

I am a resident of Guanzhou Town, Yanhe, and have been engaged in commercial activities for several years. Mainly engaged in cake shops, advertising, building materials, cement wholesale and retail, Heishui Shanwangdian Quarry Factory (joint venture) and other projects. The monthly family income is about 20,000 yuan. Now that we are in urgent need, I would like to apply for a personal loan of 1,200,000 yuan (one hundred and twenty thousand) from your bank, with a term of 5 years. We also agree to use a commercial house (private property) in the Municipal Center on the side of National Highway 326 in Guanzhou Town as loan mortgage, and agree that your bank will inquire about personal information and personal credit status from other financial industries.

In line with the principle of good faith, I have opened a deposit repayment account with your bank and guarantee to repay the principal and interest on time. At the same time, I accept all legal collection measures of your bank and voluntarily bear all consequences.

Loan applicant:

Loan guarantor:

Applicant:

August 26, 2016

Personal Loan Application Version 2

Credit Union:

Applicant XXX, male, 30 years old, ID number: XXXXXXXXXXX, lives in Wangjia, Shijiazhai Village, XXX Town The group, with a current population of 2 people, is engaged in the construction of the Sandao Water Town Convenience Service Center project. Due to difficulties, we applied for a loan of 150,000 yuan from the Rural Credit Cooperative Association for a period of 3 years, using a property located in Shijiazhai Village, XXX Town Mortgage, real estate number: Sifang Quan Zheng Tangtou No. 09678, area 380 square meters, land number: Situ Jiyong (2002) No. 020158, area square meters, repayment source: project income, and solemnly make the following Commitment:

1. Guarantee the authenticity of the purpose of the loan and not use it for other purposes.

2. Certify the performance of relevant agreements in the loan contract.

3. The husband and wife and the property owner shall repay the debt jointly.

4. Willing to use the family’s property as joint and several liability guarantee.

5. Guarantee to settle interest on a quarterly basis, otherwise compound interest will be calculated voluntarily and the principal will be repaid upon maturity.

6. When an inheritance is divided, the heir shall also bear the debts of the decedent in the credit union. The property can no longer be used as debt mortgage with other individuals, units or economic organizations. If there is a mortgage, it is an invalid mortgage.

7. If the above commitments cannot be fulfilled, we will voluntarily assume all economic and legal responsibilities.

8. Repayment plan: One-time payment at the end of 2014.

Applicant:

August 26, 2016

Personal loan application version three

Bank xx City xx Branch (Branch) ) line:

My name is (), gender is (), I am () years old, () married, my ID number is (), my occupation is (), and my average monthly income is (). I am honest, abide by my word, and have full capacity for civil conduct. Now because () requires () yuan of funds, but its own funds are only () yuan, there is still () yuan short of achieving the () goal. Now, after consensus among the main members of the family and the guarantor () (gender (), () age, and lives in ()), I would like to apply to your bank for a guaranteed loan of () yuan for the purpose of (). I have opened a savings account with your bank, the account number is (), and this loan is guaranteed by () with normal economic income and repayment ability. The loan period is () years, and interest is guaranteed to be paid quarterly (monthly). Pay off the principal within the time limit. If I am unable to repay the amount I owe when due, I will accept all legal collection measures and other reasonable matters related to repayment from your organization (bank) until it is repaid, and neither I nor the guarantor’s family will have any objections. The above application is expected to be approved.

Applicant (signature and fingerprint):

Family members

Guarantor:

Year, month and day

Contact number:

Personal Loan Application Version 4

I am ________ (unit) employee ____, my current position is ____, my family’s average monthly income is ____ yuan, and I am purchasing ___ sets of commercial housing (shops) developed by ____________ (company), the property number is ____________, I specially apply to your bank for a housing (shop) mortgage loan of ____ million yuan, with a term of ____ years, and agree to use the purchased The property is mortgaged to your organization (bank) as a guarantee for repaying the loan under the loan contract signed with your organization (bank); I agree that your organization (bank) can query my information through the People's Bank of China's personal credit information system to understand my credit status. Based on the principle of honesty and trustworthiness, I declare that this house is the ____ house purchased by my family with a loan (excluding provident fund loan).

In accordance with the requirements of your bank, I opened a repayment account at the branch ____ (branch) where I am located. The account number is ______________, and I guarantee that the full amount will be deposited in the current period on each repayment date and when the loan matures. Repay the principal and interest, and authorize the lender to deduct the loan principal and interest (including overdue interest and penalty interest) from the account on the monthly repayment date and the loan maturity date; if I change the repayment account, I will promptly provide a new Account information; if there are insufficient funds in the account and loan arrears occur, I accept all legal collection measures of your organization (bank) and voluntarily bear all consequences.

Applicant (signature and fingerprint):

Valid ID number:

Year___month__day

Attach : Things to note when applying for a personal loan

1. The application amount should be within your ability, and the monthly repayment amount should be at least a 1:2 ratio to your family income. This will ensure that your daily life will not be affected.

2. Choose a repayment method that suits you based on your repayment ability and expected future income, and formulate a repayment plan.

3. Provide true and accurate information to banks and other lending institutions, and notify them promptly when information such as address, contact information, etc. changes.

4. Read the terms of the loan contract carefully to understand your rights and obligations.

5. Repay on time to avoid bad credit records and economic losses.

6. Keep the loan contract and IOU. For guaranteed loans, cancel the guarantee registration and retrieve the pledge or rights certificate in a timely manner after the loan is paid off.

7. Unless you need money in an emergency, try not to apply for a high-interest loan.

8. If the amount you use is not a lot, such as 10,000 or 20,000 yuan, apply for a credit card as a buffer or ask a friend to borrow money for turnover.

9. When applying for a mortgage loan, you must choose the right repayment method. If you have sufficient funds, it is best to apply for early repayment.

We hope that the above information can provide substantial help to friends who need loans. If you are still worried about the loan amount and loan difficulty, we recommend that you fill it out directly on our website

Apply and we will provide you with the most comprehensive and high-quality services.

How to write an application for an individual loan from a rural credit cooperative?

The specific writing is as follows:

Loan application form

XXX Credit Union:

I am XX Village (unit), XX Township, XX County XXX, a villager in XX group, was born on XX, month XX, XXXX. He is currently XX years old. His ID number is XXXXXXXXXXXXXXXXXX. He currently has X family members. His wife (husband) is called XXX and his children are called XXX. Family assets: There are Development and planting) I provide a guarantee (or use XX worth XX million yuan as a mortgage guarantee), and the repayment sources of the borrowed items are:

XXX income (estimated monthly or annual income of XXX million yuan).

XXX income (estimated monthly or annual income of XXX million yuan). I promise to repay the principal and interest on time.

Thank you for the loan from the credit union!

At the same time, I solemnly promise to the credit union that all the materials I provide are true, complete, and valid.

Applicant: XXX

Mobile phone number: XXXXXXXXXXXX

Home phone number: XXXX-XXXXXXX XXXX, XX, month, XX, XXXX

Loan application How to write a loan application?

1. Write the loan application in the center, with a larger font, then start a new line at the top and write a certain bank.

2. Leave two spaces on another line, and start writing the applicant's name, gender, age, ID number, contact number, and describe his assets, including housing and other valuable assets.

3. Describe your source of income, main occupation, annual income, etc.

4. Write another paragraph about the reasons for the loan. I promise to use what income to repay the bank loan, and I promise to pay off the interest on time, repay the principal when due, and ensure the safety of the bank's funds. Otherwise, I am willing to bear everything. Consequences and legal responsibilities, and finally sign your name in the lower right corner and write the date of application.

That’s it for the introduction of how to write a personal loan application.