Parents' claims have little to do with their children. Children's claims have little to do with their parents.

Extended data:

The loan processing flow is as follows:

1, prepare data. Including loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (if there is a spouse, spouse's ID card and household registration book are also required). If it is a mortgage loan, it is necessary to issue a certificate of property rights of the collateral; If it is an unsecured loan, it needs to provide a good credit record;

2. apply. When you apply for a loan from a bank or a law firm entrusted by a bank, you need to sign a loan contract with the bank as a legal document binding both parties.

3. Payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit is unqualified, the bank will return the relevant information of the customer and the fees charged;

4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register the mortgage in the bank for future inquiry.

5. Bank loans. After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

Bank loan interest rate:

The latest benchmark interest rates for bank loans are 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year), and 4.75% for 3 -5 years (including 5 years). On this basis, there will be appropriate downward floating or upward floating.

How to convert the loan interest rate?

The loan interest rate is based on the benchmark loan interest rate published by the People's Bank of China, and fluctuates on the basis of the benchmark interest rate. The bank interest rate is the execution interest rate. The execution interest rate of each bank is different for different loan types and loan periods. Executive interest rate = benchmark interest rate ×( 1+ interest rate floating value). The floating range is between 0.5 and 2 percentage points.

What are the requirements for personal loans?

When applying for a personal loan, the bank will review your personal qualifications and the authenticity of all the information. Specific conditions: the borrower's ID card, which is necessary. Good credit record. Personal qualification and financial proof, for example, if this person has a full vehicle under his name, he can make a vehicle mortgage loan or credit loan to the bank; If the borrower has all the real estate under his name, he can apply for a mortgage loan; In addition, there are many types of loans.

The purpose of the loan is because the CIRC stipulates that all loan funds cannot be used for stock trading, wealth management, house purchase, etc. So the bank must have a formal purpose to lend you money. It is also the most important point, that is, good repayment willingness and repayment ability. As far as bank loans are concerned, all directions of bank investigation will eventually point to customers' repayment ability and willingness. If the customer has no willingness or ability to repay, the bank will not lend you money.