1, loan application. Borrowers apply for loans from local banks. In addition to applying for small loans in rural areas, relevant information is required when applying for other types of loans.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

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

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.

The materials submitted include:

(1) Basic information of the borrower and guarantor;

The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;

(3) Rectification of original unreasonable loans;

(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;

5] Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the Bank.

Extended data:

Conditions required by the bank lender:

1.18-a natural person aged 60 (Hong Kong, Macao, Taiwan, Chinese mainland and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Personal credit loan:

The bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan.

Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.

References:

Baidu encyclopedia-loan plan